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    In some states, home insurers may also consider an "insurance score," which based in part on your credit score but may also take your claims history into account Learn more about average homeowners insurance cost by state and available homeowners insurance discounts Homeowners insurance for rental or vacation property
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    Homeowners insurance is not required in Florida, but if you're financing your home through a mortgage lender, they'll probably require it as part of your loan terms Note that even if you have paid your home off and you own it outright, you may still want to consider homeowners insurance because it is likely your most valuable asset and should be protected


















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