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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. An agent can recommend a price based on your home and personal 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. If you need more than that, you can purchase additional coverage for extra costs. Your insurer will determine your individual needs based on the specifics of your property. You should also consider purchasing insurance for unattached buildings such as sheds and garages.

A homeowner's insurance policy will protect you and your home in a variety of situations. It protects against fire, water damage and windstorm damage.

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