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Mindy Stern currently insures her home for 100 percent of its replacement cost with an HO-3 All- Risk policy, providing her with $200,000 in dwelling

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Mindy Stern currently insures her home for 100 percent of its replacement cost with an HO-3 All- Risk policy, providing her with $200,000 in dwelling coverage. Mindy Stern currently insures her home for 100 percent of its replacement cost with an HO-3 All- Risk policy, providing her with $200,000 in dwelling coverage

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