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Cousin Eddie's cousin
Thanks Steve, I'm going to get things clarified with my current agent for the time being and look into whether I should make a change at some point. I'll contact you directly with any questions. I appreciate your advice.
Not to sound like a broken record, Vaughn, but if you have your guitars scheduled under inland marine (on your homeowners), don't let your agent tell you they can't add a valued (agreed value) form. If they say they can't, get a new agent/carrier. "Valued" means the insurer can't question the limit at the time of the loss.