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Who has the better ANA insurance?

Who would you say has the better ANA insurance - Hugh Woods or Marsh? My collection (valuewise) is mostly gold and Proof SAEs (all graded) and proof and UNC sets. I heard a rumor that one of them doesn't cover gold? Is that true? Who has the best price? All of my collection is at home
"If we are facing in the right direction, all we need to do is keep on walking." - David Brent

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