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CG insurance question

I am researching insurance for community gardens.  Could you please share how your garden lot is insured?  Who is your carrier and how much do you pay?  Did you approach the carrier as an individual or an established organization?
Also, for gardens that are managed by local governments, do the governments handle the insurance?  What are some of the benefits of government involvement/support?  How do governments usually get involved in community gardens.  It doesn't seem like they are part of most urban planning agendas.
Thank you very much for any help with this.
Jennifer Lynn

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