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Home ownership has been a long-standing dream for many Americans, but the convergence of various events and developments over the last few years has made it harder to keep that dream from turning into a nightmare. For example, more intense extreme-weather events and other natural disasters, such as Superstorm Sandy, California wildfires and tornados in the Plains and Midwest, highlight the potential daunting expenses of rebuilding or repairing the dream should the worst happen. 

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