Read exact what it covers...
Riders and Policy can be label anything and still you fight to get money for whatever/whenever the problem happens.
Many companies offer "Terrorism Coverage" but a "scam" to get more money that will pay only when problem meets w/ very narrow rules and even then may not pay.
"Flood" insurance is a good example. Most people do not know that most water damage problems to a building are labels as flood damage by Insurance Co. and building insurance does not pay for floods.
Worse You pay for "Flood Insurance" then often fight FEMA for damage after Sandy etc often for Years.
Example: many found out that "adjusters" is a contract co that does as much as they can to pay little or nothing like
Toms River area (
and here) w/ many problem for contract adjuster working for FEMA.
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Dr. Ian Malcolm: Yeah, but your scientists were so preoccupied with whether or not they could, they didn't stop to think if they should.
(Jurassic Park)
The Ogre's Fiero Cave