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NMRA members are offered insurance for entire layouts. I don't have my layout insured, but have a raised level on contents on my homeowners policy. I am handicapped, so I need the extra coverage. If I didn't have that, I would have a separate policy because I have 48 engines and close to 500 cars. This I have accumulated over the past 35 years. I could not put a value on these as they are a part of my life.
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