The three numbers on your auto policy are a ceiling on what the insurer pays, not on what you owe. What each one covers, and how to find your own state’s.
Three auto coverages, split on two axes. Whose losses each one pays for, which two carry a deductible, and who actually requires them.
An umbrella policy is not just a bigger limit. It sits above underlying limits your insurer requires you to keep, and it covers some things they exclude.
A home inventory is a coverage tool before it is anything else. What goes on each line, four ways to organize it, and the storage mistake that makes one worthless.
A scheduled personal property rider does not raise your jewelry sub-limit. It moves the item out from under it. What that changes, and what it does not.
A large contents limit does not mean a large jewelry limit. Here is how special limits work, why they sit inside your coverage, and where your own numbers are.
Coverage D pays the difference between normal living costs and higher ones after a covered loss. Here is where its limit comes from and the two ceilings on it.
A renters policy is four coverages, not one. Here is what each part pays for, where the loss of use number comes from, and why the default valuation surprises people.
Home policies exclude earth movement, not just earthquakes. Here is how earthquake coverage is bought, what it covers, and the part of the exclusion it may not close.
Home policies specifically exclude flood. Here is where the coverage comes from instead, who sells it, why your community has to participate, and how the waiting period works.