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A home is likely the most expensive asset for a homeowner, so it must be adequately protected.

Although home insurance may seem complicated, it's actually fairly straightforward. For consumers who are shopping for their own homeowners insurance, they first must determine the value of the home and its contents and then select a company and plan that provides the coverage needed at a reasonable price. However, to ensure the consumer is getting the best price and coverage, insureds should work with an insurance agent or broker, who can go to the market to find the best policy.