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  1. Only purchase coverage for risks you can NOT readily afford.
  2. Increase the deductible to the highest level and use the premium you save to supplement savings.
  3. Never Cancel current coverage until a replacement policy is in effect.
  4. Specific risk policies are not as good a value as general risk policies.
  5. Purchase from a company rated A or better by A.M. Best
  6. Compare products to obtain best coverage for your premium dollars.
  7. False information on your application becomes part of the policy and a possible reason to decline coverage on a claim later on.

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