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Hartford Insurance Declined Coverage Because of Home Replacement Cost

We got our auto coverage through Hartford and thought maybe we should bundle our home as well. However, after answering all the questions over the phone, I received a letter stating that Hartford is "unable to provide coverage for our property because the amount of coverage we would need does not meet their eligibility requirements". (I think the replacement cost of our home is too high. We bought our home a long time ago and property values in our area have just gone crazy.) I guess I understand, but it is really disappointing. 

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