If you've been to a movie or surfed the web recently, you've no doubt seen the trailer for the new horror flick Cloverfield. Like Godzilla before it, the goal of the monster is to destroy a city (whether it's New York or Tokyo, these guys are pretty destructive). There are often morals to these kinds of efforts: nuclear weapons, global warming, Brittany Spears, etc.
But when that monster is bearing down on your house, you have to ask yourself this question: Am I covered?
Fear not:
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