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I don't have an agent. It's up to me to read my policy and ask for riders on anything I want extra. My homeowners insurance carrier (Amica) is more than happy to insure almost anything I come up with. Surprisingly the fee is usually very low. Which makes it even more important to know all of those exclusions so you can buy what you need.
So here's a question: Since the insurance company will only tell you what their policy DOES cover, how are you supposed to know what you're missing (like flood, or mold)? Is there some grand homeowners insurance boilerplate to compare with?
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