As I figured the insurance was one of those perks to the buyer the builder uses the free insurance as a one stop shop a convenience thing so I guess it's not that bad. As far as the nhw that I have heard is just a name and is as good as the paper it's wrote on as other have found out. anyone read the fine print it's terrible.
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only 25 gal & (6 bulb, t5's fixture & 30 gal sump with small fuge
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