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How to Calculate Your Home's Value
The total replacement cover is the best cover and offers complete peace of mind. It means no matter how much it costs to replace, rebuild, repair your home, it'll cover it. Most policies should cover you for fire and explosion, floods, storm and rainwater damage,. lightning, accidental breakage of glass or ceramics, earthquakes or tsunamis. If you damage your property on purpose, you're not going to be covered. Actions of the sea such as a tidal wave, storm surges or high tides don't cover them.