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NipDrunkChipmunk t1_j1suwjo wrote

I don't believe this is a case where insurance is going to cover anything for you, but also as an FYI, it's not a great idea to put small claims in to your insurance if you can avoid it.

Filing a claim gets you rated as someone who is more likely to file a claim again and your annual rate will go up for that risk (and when you try to get quotes from another company, they will also take those claims into account). Home insurance is great for major and catastrophic damages, but not for smaller expenses.

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