Could be, but here's a story: I work for Delta airlines and and about 8 years ago, a film crew came through. I asked what the assignment was and he replied.,
"We did a piece for an insurance company on how not to pay claims"!
You need Riders for you Audio Systems, Work Shop, Jewelry, Art and Collectables in your home or you will be SOL. I have my Beer Can Collection from College insured along with the little woman's CZ's.
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