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Homeowners Insurance 
Your home is one of the most valuable assets you own. Because of this, you will want a homeowners policy that gives the protection you need at the very best price possible. 

 
Replacement Cost Guarantee 
Covers the full cost, less deductible, of repairs to your home in the event of damage. Even if the cost exceeds your policy limits, provided you insure your home for 100% of its replacement value. 
 

Full Value Contents 
If you have a covered loss, such as a destroyed or stolen item, the policy will pay to replace the item up to the limits of the policy. Less the deductible of course. The difference between actual cash value and replacement cost can be significant. 
 

Deductibles 
With a homeowners policy, a deductible applies to the property portion of the policy. A deductible is the amount you would have to pay out of your own pocket before the insurance coverage kicks in. Typical deductibles are $100, $250, $500 or higher and some policies have several deductibles. The higher the deductible you select, the lower your premium payment is. 
 

Personal Liability 
Provides coverage for bodily injury or property damage that you are legally responsible for. For example, your dog bites someone, a guest falls down your front stairs, your son throws a ball through your neighbor's window.