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Old 06-02-2010, 04:01 PM
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Default Insurance is my friend!

I'm not sure what the law says about having a separate insurance policy aside from home owners insurance, but I have a separate policy anyway. I'm a big believer in covering my butt just in case something happens. It's a small expense and it's nice to have the added peace of mind. I would absolutely recommend it even if it isn't required.
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