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The value of your home and possessions will determine how much you should purchase homeowners insurance. 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. Make sure to consult with an agent about the best policy for your needs. 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 is based upon the cost of replacing your house. If you need more than that, you can purchase additional coverage for extra costs. Based on your specific property, your insurer will determine what coverage you need. 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 covers damages from windstorms, water damage, and fire. It also covers legal

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