Contact an independent insurance agency. They helped me save a lot of money because they can shop numerous insurance companies instead of being limited to just one. The agent I purchased through helped me understand all the different kinds of coverages and presented different options regarding price and policy type. They were extremely helpful and wanted to make sure I knew what the different kinds of home policies were. Stay away from Actual Cash Value policies and look for a Replacement Cost Value policy instead! You will be glad you did if you have a loss.
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