When you buy insurance, your agent gives you a copy of your policy. And then the insurance company starts adding endorsements. Some endorsements help you, some take away coverage and some are completely meaningless. However, which are which?
There is an easy way to figure this out: every other year ask your agent for a certified copy of your policy. This is different from a regular copy. A certified copy comes from underwriting and certifies that this is the policy and all endorsements that effect your coverage. Keep track of this copy and put it away somewhere safe. Then, when you have a claim, you will know what is, and is not, covered.