A standard homeowners policy protects against fire, water damage from plumbing, car wrecks, theft, vandalism, broken glass etc. The best way to make sure of your coverage is to discuss your policy with your insurance agent. Do not have any surprises after the fact. A basic policy can be expanded to include additional coverage for most everything else. Again, make cetain that you have a complete discussion with your insurance agent. Most insurance experts recommend that homeowners have insurance equal to the total replacement value of the home. For personal items, homeowners can increase coverage beyond the basic with certain inflation riders. Check with your insurance agent.
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