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A home improvement contract must include details about:

  1. Amount of each payment as a sum in dollars and cents

  2. Specific reference to the amount of work and services

  3. Specific reference to materials and equipment to be supplied

  4. All of the above

The correct answer is: All of the above

A home improvement contract is designed to protect both the homeowner and the contractor by clearly outlining the terms of the agreement. Including details about the amount of work and services ensures that both parties have a clear understanding of what is being provided, which can prevent disputes related to scope and expectations. Identifying specific materials and equipment to be supplied is crucial as it ensures that the homeowner knows exactly what to expect in terms of quality and type of materials, which can significantly affect the project's outcome. Clearly stating the amount of each payment as a sum in dollars and cents provides transparency regarding the financial obligations of the homeowner. Altogether, these elements form a comprehensive contract that serves to clarify expectations, enhance communication, and protect the legal interests of both parties involved in the home improvement project. Thus, including all these aspects in a home improvement contract is essential for its completeness and effectiveness.