It’s fairly easy to fall into the cycle of buying a homeowners insurance policy when you purchase your home and then paying the premium each year without giving much additional thought to the policy’s design. When a claim arises, however, the policy details make all the difference in how much protection is provided and whether the claim experience is a good one. The details of a homeowners insurance policy are important. By understanding these details, policyholders can be better equipped to choose a policy that makes the most sense for them. Let’s start by asking some basic questions.

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