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Location and claims history in your area, building materials & age, replacement cost, coverage limits/deductibles, alarms/monitors, and prior claims.
Replacement cost covers rebuilding/repairing with similar materials without depreciation. Actual cash value subtracts depreciation, resulting in lower payouts but lower premiums.
They are usually optional endorsements. Add them if you live in a risk zone or want broader protection. Carefully check limits and deductibles.
Driving record, years licensed, vehicle model, usage & mileage, postal code, selected coverages (collision/comprehensive), and deductibles.
If your car is financed/leased, the lender may require them. For older vehicles, you might choose liability-only to reduce costs.
Bundle home & auto, increase deductibles, maintain a clean record, consider telematics discounts, and compare quotes at renewal.
