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HOME INSURANCE  Sain's Insurance has a great home owner's insurance carrier that will cover replacement cost for properties (homes or rental property) with losses starting at $250,000.....all the way up to $5M. This means the loss to rebuild the home or property must least $250,000 or more. The carrier will automatically cover many issues.....other carriers omit or simple do not cover, unless added by endorsement for an extra fee. The company insures homes with a value of $175,000 and up. 


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