| http://www.w3.org/ns/prov#value | - Do you have pools, play grounds, employees (as opposed to contract workers), etc.I tend to agree 1 M is low, but if you do not have employees or higher risk amenities such as pools and the Board members are not personally liable, it may be unnecessary. 4,000 homes is a large number and even if you suffered a huge loss of $4,000,000 that would only cost home owners $1,000 each.
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