rental car coverage

Can I waive the coverage offered by a rental car company?
1.) Does my auto insurance apply to a rental car?
2.) Does it matter if I travel outside the US?
3.) Who can drive my rental car?
How does replacement cost differ from the market value of my home?
1.) Why does the coverage on my home not equal the market value?
2.) Why is replacement cost coverage important?
3.) Does the assessed value of my home have any impact?

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