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Scheduled personal property coverage: High-value items like jewelry, art and collectibles are covered up to a certain dollar amount under a standard homeowners insurance policy.
In homeowners insurance, the 80 percent rule refers to the fact that most insurance companies require homeowners to insure their home for at least 80 percent of its total replacement cost.
The most common type of homeowners insurance is the HO-3 Special Form policy, which covers your home, your personal property, liability, additional living expenses and medical payments.
Key takeaways. Your home's size, age and features, as well your personal property, impact how much coverage you need. Keeping a digital home inventory can help determine appropriate policy limits ...
On average, homeowners pay $1,687 annually for a homeowners insurance policy with $250,000 in dwelling coverage. The same type of home insurance coverage may vary in price based on the company ...
The most basic home insurance policy is an HO-1, which provides coverage on the structure of your home. An HO-2 is a step above the HO-1, as it covers your home and personal belongings for named ...
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