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How much homeowner insurance should I buy?

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Home Insurance

In other words, how much does it really cost to rebuild this house?
My homeowner insurance company insures the dwelling for X, and another company suggests I insure it for 76% of X. So who is right and how do I find out? Another important question — do most people try to get 100% coverage in case the house is vaporized, or do smart people go for, say, 75% coverage because the entire house probably won’t be destroyed? Advice, please.

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