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I've asked our State Farm rep the same question. It appears that homeowners ins. doesn't cover automobiles, whether they be a collection of parts or an operating vehicle. They don't insure a collection of parts either, so there basically is no insurance for an unfinished kit.
She's looking into a possible rider on the homeowners to cover the value of the parts I have, but I'm not holding my breath...
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You might be a redneck if you think the National Anthem ends with "...Gentlemen, start your engines."
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