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for example, digging up ways of lowering my premiums without me even asking, and personally checking on site flood conditions near my property. So, like you, I value a good relationship my agent. However, when you decide to go the SV route, make sure you read the insurance contract to be sure you are getting a true SV policy. I had a SV policy with Allstate and, when I wanted to get the contract terms, they could produce NOTHING!
 Chance favors the informed
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