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“This information is an offer to sell insurance by a Licensed Insurance Broker.  The quoting information is being  offered as a free service and  Nancy Drew Insurance is not responsible for any  quoting prices that differ from information given.  Unless you submit an application there is no obligation to buy the insurance it is in place for your convienence.   All coverages are subject to the terms, conditions and exclusions of the actual policy issued. Not all policies or coverages are available in every state.”