State Farm Insurance

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State Farm recommends you choose a coverage limit at least equal to your home's estimated replacement cost. (The estimated replacement cost isn't the same as the market value, which is the price you can expect your home to yield on the market.) If you choose a coverage amount less than the estimated replacement cost, you may not be eligible for certain coverages. It is important that you review your coverages every year to ensure the coverage amount is adequate in the event you need to rebuild your home due to a loss.