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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. Make sure to consult with an agent about the best policy for your needs. When purchasing homeowners insurance, there are many things to consider.

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. You should also consider purchasing insurance for unattached buildings such as sheds and 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

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