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No coverage is bound or in effect until written confirmation is received from an insurance company. No insurance coverage can be bound or changed via submission of an online form/application, email, voice mail, or facsimile. Any proposal of insurance we may present to you will be based upon values developed and exposures to loss disclosed to us, by you, on any online form/application, and/or in communications with us. All coverages are subject to the terms, conditions, and exclusions of the actual policy issued. Not all policies or coverages are available in every state.
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