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We live in a small town with the stereotypical insurance agent. Although we get our own auto and home insurance, we've found that the agent is better at getting weird things, like extra coverage when I was promoting races, life insurance with specific thoughts/needs, etc.
It might be worth speaking with a small town agent. We found ours because we know the family both through customer and client interactions. I'd never have approached them otherwise; I have no idea how I'd find one in a new-to-me town.
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