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owners insurance if you have it. Any items that are 'typically in the home' (CDs, clothes, luggage, whatever) will be covered by your HO insurance. But, as others said, it will scar your policy history, and if you claim more than twice every 3 years (different companies have diff't policies) they'll end up dropping you. At least call about your options. Sorry, and good luck, SS
____________________________________________________________________________________________________ Dad, you are my inspiration, and reason for living. May you find peace in your new place - 9/26/04
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