From Bobbie Sage,
Your Guide to Personal Insurance.
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A. The higher your coverage, the less you will have to pay out of your own pocket to replace property that is destroyed or stolen. You also need enough liability coverage to protect yourself from lawsuits if someone is injured while on your property. Your insurance agent will be able to accurately predict how much coverage you need and you can always contact multiple agents to get an average of what the best amount of coverage would be for your home.

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