We have a question about homeowners coverage for a fire department service charge. Our insureds live in rural and semi-rural areas. Town fire departments often have contracts with smaller towns, villages, or townships to provide service. We are concerned about the provision in the additional coverage that ties payment for fire department service charges to the insured's liability “assumed by contract or agreement.” In most cases, the only contract is between the local governments, and not between the individual homeowner and a government entity. Is the insured covered in this instance?
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