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The information and descriptions contained in this site are intended as general information and are not necessarily complete descriptions of all terms, exclusions, and conditions applicable to the products and services offered by Denis A. Miller Insurance Agency Inc. or any insurance company represented by the agency.  The information contained throughout this web page is not an insurance policy or contract of insurance. Coverage and issues discussed are for the New York State area and may not be applicable in other areas. The insurance coverage afforded by Denis A. Miller Insurance Agency Inc. is subject to the terms and conditions of the policies issued.