Even though the market values of homes in Norberto's community have declined in recent years, the costs of constructing a home continue to increase. Because Norberto is concerned about the steadily increasing cost of rebuilding a home, he should be advised to consider

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 a$.$ insuring his home for more than its current market value.

 b$.$ insuring his home for more than its current replacement cost value.

 c$.$ insuring his home on an actual cash value basis.

 d$.$ insuring his home's replacement cost value and adding an inflation guard endorsement.