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Question 11 of 11 in How Much Coverage To Buy

Will my home policy cover the costs of bringing my home “up to code”?


A few policies include a building code endorsement that pays the costs of an upgrade. In most cases, though, home insurance policies simply cover the amount of the loss. The big difference in policies is between an "actual cash value" policy and one that covers the "replacement cost" of the lost or damaged property. In this context, the additional cost for a "replacement cost" policy is well worth it.
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