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If you are asking about property insurance then in most cases your home owners policy will cover most issues. If you have walk-in public you will need to get some quotes for a commercial policy

Your state insurance department is your best resource for insurance-related questions and concerns. Find information on insurance companies and agents, rate quotes and comparisons, insurance buying tips, claims filing information and much more!

State Insurance Department websites: http://www.naic.org/state_web_map.htm

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