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It is usually fairly simple to divide buildings and personal property into two separate categories for insurance purposes: covered property and property not covered. Most forms provide a list of the property that is not covered. A commercial property or homeowners’ policy is probably going to cover the building or dwelling and personal property. Land and lawns will most likely fall in the “not covered” category.

So where do unauthorized satellite transmissions fall? Or how about electricity? Or, as some FC&S subscribers have inquired, phone time? Recently, an FC&S subscriber described his client’s phone woes: 

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