The main focus of home insurance coverage is securing proper coverage to replace…

The main focus of home insurance coverage is securing proper coverage to replace the home itself. Home insurance agents have a tool that calculates the replacement value of your home that takes into consideration all the features of your home (the square footage of your home, the number of bedrooms, carpet, hardwood floors, custom kitchen, any ceramic tile, etc) and calculates a replacement cost based on the current value of the house. When you are shopping for home insurance coverage, make sure you get a home insurance quote that includes anything you feel would increase the value of your home such as crown molding, a fireplace, or marble or ceramic tile in your bathroom. All the added features to your home will help determine the overall value that should be included in your home insurance coverage, so don't leave anything out!

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