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Congratulations on owning a piece of the American Dream. Once you’ve become a Homeowner, be sure to follow through and protect your investment with the right coverage. Not all Homeowners insurance policies are created equal – far from it. Some policies will only cover damage by fire, while others will pay if you accidentally spill wine on your carpet! Now how is that for two ends of the spectrum. Just how comprehensively do you want to protect your home?