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How much homeowners insurance you need will depend on the value of your house and possessions. The amount that you buy should cover the cost of your home's replacement and the costs of rebuilding it in the local area. Your agent can suggest an amount based on the value of your home and possessions. Talk to an agent about which policy is best for you. There are many factors to consider when purchasing homeowners insurance.

In case of a fire, you can claim up to $1 million for your home. This amount is based on the replacement cost of your house. You can buy additional coverage for an additional cost if you require more. Your insurer will determine your individual needs based on the specifics of your property. Also, consider buying insurance for unattached structures such as sheds or garages.

The homeowner's policy covers your home and property in many situations. It protects against fire, water damage and windstorm damage. It also covers legal liabilities. It may

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