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A person who owns his or her home would have a different policy from someone who rents, for example. Policies also differ on the amount of insurance coverage provided. The types of perils covered also differ among policies and according to where you live. Variety in homeowner’s policies is fairly standardized throughout Canada and the United States. However, individual companies may offer policies that differ depending on the regulations that govern where you live, as well as prevailing environmental conditions in your area. Basically, there are three types of home owner policies to choose from: comprehensive, broad and basic forms.
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