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Cover each item with your agent and make sure they are fully covered. A higher deductible on your homeowner's insurance can save you money on premiums. While a higher deductible may mean that you will be responsible for small repair costs such as broken windows, more often than not these costs are balanced out by the savings you will receive on your annual premiums.
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If a power line near by is cut and causes loss of power to your home, you may be covered for the lost food.
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When shopping for homeowner's insurance, be sure to get a policy that offers guaranteed replacement value insurance.
