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In October 2010, J.D. Power and Associates released a study that found customers with homeowners insurance declined to a five-year low. According to the study, this dissatisfaction stemmed largely from increasingly poor policy offerings and substandard customer service. But first, to borrow a phrase, consumers must make sure their own house is in order if they hope to field ideal homeowners insurance offers. Tim Sheppard, an Erie Insurance agent in Peoria, Ill., says there are…