Crunch;
Sorry to hear of your storm experience, but first the good parts, nobody hurt, and just the excuse you needed to get a Gator.
Our insurance policy is a "One size fits all" so to speak. It covers both houses, the cars, pickup, farm buildings, every thing inside of the houses, buildings, farm liability, etc. all for two tidy premium payments per year.
I will be the last to say I understand insurance terms and definitions so I guees you just have to trust you agent. I have a friend who was amazed to learn that I've never read out poicy word for word, cover to cover, just the high points. Again that's where you have to trust the agent. We're perety rural here so I've known the agent since high school, fifty years this year.
We've had almost every car or truck type claim from totals to deer hits to hit and runs, so far just pay the deductible and no hassle. Last summer,(09), we had quite a bit of storm damage at the farm, roofs, commercial size overhead doors, 35 ft. flagpole, storm doors, etc., etc. I called the agent on a Friday an hour after the storm, the adjuster came on Saturday, said get it fixed and send us the bill, all but the 1000.00 deductible on the whole works, there were no limits per item. So as I said I know very little about insurance of any kind so there are probably as many different home owner policys as there days in a year.
Frank.

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