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Can only speak from personal experience, a rider on my homeowners was astromically more expensive with less coverage than what I currently have with Eastern. As Dean mentions, as long as I am legally allowed. The only thing they won't cover is if you leave your car unlocked. I also like their optics and ammunition coverage options.
It only takes a few minutes to save...., what I think that tag line is already taken
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"The measure of a life is a measure of love and respect
So hard to earn, so easily burned" Neil Peart