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It never ceases to amaze when I hear people have what they think is decent insurance for a competitive price yet have never fully read and understood the limitations and exclusions of their policy. It's in plain English! Kind of reminds me of someone who buys something without ever looking at it first.
For anyone looking for insurance, get the policy first, read it rather than rely on an agent to tell you what is included. It is useless to hear what is included - they will never tell you what the specific and numerous limitations and exclusions mean
 
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