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Dennis,
That is only if you have not "specified" those items as part of your household contents with a value in excess of $1,000. If you have them specified on your contents policy they are also covered for this value away from the home. I am with AAMI. As others have said it costs an extra $30 per $1,000 of cover and is well worth it IMO for the peace of mind it provides. I suppose it also depends on what value you place on $120.
CS-John B
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