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If Estella's luxury home in the mountains should be damaged or destroyed, she could maintain her lifestyle by renting a similar home at a cost of $10,000 per month until her home is repaired. It took 20 months to build her home when it was originally constructed, and she figures in a worst-case scenario that it will take at least 20 months to rebuild it if it is completely destroyed. Estella's current home is insured for $500,000 under Coverage A of a standard homeowners policy. It would appear that her current loss of use coverage

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