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you're not going to be more likely to build your home in avalanche country if you know it's covered in your insurance
It works the other way around though. You're right, I wouldn't say, "Hey, honey, this insurance agent offers coverage for rock avalanches, so let's go build at the foot of that cliff!" but you bet your ass I AM going to say, "No, honey, I don't give a damn how much you like that house, it clearly says here that we're not covered against those regularly-falling rocks, so we're not buying it."
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