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Charlotte does not want to live alone in the big house she formerly shared with her late husband, so she invites her good friend Dolores

Charlotte does not want to live alone in the big house she formerly shared with her late husband, so she invites her good friend Dolores to sell her small home and move in with Charlotte. Charlotte makes no change to her homeowners policy, and Dolores cancels her own homeowners policy once her small home has been sold. In this situation,

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