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.
Flood, earthquake and wear and tear are excluded from a standard home policy. Here are four state regulator lists compared, and the three kinds of exclusion they contain.
A named peril policy covers only the causes it lists. An open peril policy covers everything it does not exclude. Here is how to tell which one your policy uses.
Your declarations page lists coverages by letter. Here is what each of the six covers, why three of them are a percentage of the first, and where the letters stop.
Two valuation words decide what a property policy pays. Here is what each means, where they appear on your own policy, and why one policy can use both.