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I am not a homeowners insurance agent and haven't slept in a Holiday Inn lately but there are two things I know.
1) Every company every state is different.
2) If you need to make a claim (god forbid), the company will be looking for an excuse to not pay for a claim. If it is found that you falsely claimed the status of the home you may end up with 'no soup for you'.
Play it safe and be honest. You will sleep better at night.
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Joe
See Porsche run. Run, Porsche, Run: `87 911 Carrera
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