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Homeowners Insurance: Everything You Need to Know Before You Buy

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Our homes are essential pieces of our lives, and if something were to happen to them, it would need to get fixed. Issues vary from minor fixes to major problems. These major issues can keep some people up at night as they can get extremely costly; this is where homeowners insurance comes in.

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What Is Homeowners Insurance?

At its core, homeowners insurance is an insurance policy that covers losses and damages to your home and assets in the house.

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Actual Cash Value

With actual cash value coverage, you'd be covered for the cost (how much you paid) of your home and belonging after accounting for depreciation (how much the house and belongings are currently worth).

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Replacement Cost

Replacement value policies are the same as actual cash value except it does not take depreciation into account. This would mean you would be able to receive the amount you originally paid for both your home and possessions.

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Guaranteed (or extended) Replacement Cost/Value

GRC is the most comprehensive type of coverage. This type of coverage will allow you to receive the total cost of repairing or rebuilding your home, even if it's more than your policy limit.

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How Much is Homeowners Insurance?

Like most insurance policies, the policyholder pays a premium each month to maintain the policy. The premium paid each month can vary based on many factors.

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How Does Home Owners Insurance Work?

Like other insurance policies, homeowners insurance will cover the costs of making any repairs due to covered damages after the deductible has been paid.

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Homeowners insurance is not only essential to have when owning a home; it's required. It would be best if you never rushed into a policy. Make sure you not only have enough to insure the total cost of your home and belongings now but what it might cost to replace everything in 5,10, or 15 years.

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