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On the flip side, here in Florida hurricane insurance is percentage based for the deductible instead of a flat dollar amount. And no, I don't have it - I'm far enough inland that the few 'canes that have passed by haven't been more than a bad storm.
My policy does have sink hole coverage (well, not so strange, good idea although most sink holes are well south of me), and the weird one is coverage for volcano damage. These two items add about $15 per year to my policy cost, so I keep them - just in case.
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