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    Bob Turner
    Risk Management consultant, Bob Turner Agency, Inc, Tulsa, OK
    Find an agent who will ask a lot of questions.  Off the shelf proposals will do you no good.
    Once the questions are answered. the proposals should all have the same limits for your personal property and a $300,000 personal liability option (it only cost $10-12 to go from $100,000 to $300,000)
    At that point the agent should let you compare all the quotes to make a wise decision.
    Answered on November 13, 2013
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