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Would need to see his policy.
Maybe the homeowner was like many people who say NO to every additional coverage and only want the cheapest and most basic protection.
And when they need to claim on the insurance and they aren't protected for everything under the sun........cry about how they were mis-sold, didn't know or weren't told.
Not trying to defend insurance companies, but they do tend to cover their butts when they send your insurance documents out.
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