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My kayaks are covered fully through my renters insurance. All I have to do is show a receipt where and how much I bought it and they pay me for the price a new model. I went through Gieco, like $225 a yr. Had my truck broke into; rod and reels, tackle, FF, and a bunch of other stuff was stolen and they replaced everything. My renewal rate did not go up any either even after filing a claim.
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