As with many things in life, the answer is, "It depends..."
We live on a private road where the cost of plowing is shared by many homes. This question comes up every year as some don't share the cost of the plowing since they don't access their properties during the winter. Some have policies that don't require plowing, some have policies that provide limited coverage, and others (like ours) require clear access year round.
So, it depends on the policy you have and the company that issues it.
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