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in NYC and i'm sure most other cities and states. if you have insurance then any place that is owned by the city is free to shoot in. that's any property at all that is owned by the city or state. but you must have at least a 1 million dollar basic liability insurance policy. other things like homes and store fronts, you can usually get for free from the owners or at least a tiny fee. you'd be surprised how many people really want to help and pitch in where they can.
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