Always purchase the extended replacement cost on dwelling. In the event of a total loss the company will increase your coverage A amount on day of loss (which includes an inflation built in amount) by your replacement cost %. (Example $200,000 with inflation of 6%, $12,000 for the year. If total loss 100 days into policy, that would be around $3,288.00 plus $200,000x 20% R/C would give you $243,947 cost to rebuild amount) I think I did my math right. Haha the thing that most need to remember is the value of your home investment.
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