There is the "out" in the wording. I'm sure that the hive was not "homemade" but was at least cut and bought from a bee supply house. Mike in LA thinking wording is tricky.
--- On Tue, 9/30/08, Nicholas Doumanoff <[log in to unmask]> wrotereceived notice from their homeowners insurance that they are
being dropped due to a "home made bee-hive" on the property.
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