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It all depends on what you're attempting to cover and what its worth is...
For instance, if you have a large art collection...then, there are certain carriers that would specialize in that field.
If your house is $1M+, then you would go to a certain carrier and although that same carrier would insure your $250K house, it would be a mistake because premiums.
I have no idea what money means to people...I would look for an insurance broker that's well respected in your area, unfortunately most are brain farts.
Edit: DrCoastline is giving your some very solid advice
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