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It’s the time of year when children are on their best behavior to ensure they make Santa’s “nice” list, while parents are busily buying presents, baking, and sending holiday cards. Of course, stores are full of decorations and trimmings. There have been many articles written over the years about what insurance coverage Santa may need for his sleigh, workers, and such, but little consideration has been given to homeowners’ policies and what exposures exist.

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