The general idea of home insurance supposes that if you house disappeared off the map how much would it cost to completely rebuild and refurbish it. Although it is not required by law like auto insurance it is a very good idea to have and is often a requirement by mortgage companies when you are seeking a loan. HO-3 is the name of the general home insurance. Within this coverage there are a number of things that are included and several other items that you may choose to include yourself.
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