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 Here’s how insurers keep tabs on you — and what you can do about it. ALPA PROD / Shutterstock.com

Home insurance rates are approaching record highs this year, with the average premium in the U.S. expected to exceed $2,500, experts say. That’s after increasing about 20% in the past two years and likely 6% more this year. And as we note in “10 States Seeing the Biggest Spikes in Homeowners Insurance Costs,” some places are seeing even faster growth. That leaves many people stuck between a…

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