My father told me, "Your insurance policy is only as good as your insurance agent."
You've received a lot of good advice from experienced people here but my experience has been that, regardless of what the fine print in your policy says, if you have an agent who's willing to help you take every advantage of what's available you'll come out ahead, sometimes way ahead.
I've had only three major claims in my life. In those cases my close, face to face relationship with my agent got me considerably more compensation than I likely would have without that personal relationship. My policies may have been priced a little higher than the cheapest I could have bought but they turned out to have been real bargains.
You've received a lot of good advice from experienced people here but my experience has been that, regardless of what the fine print in your policy says, if you have an agent who's willing to help you take every advantage of what's available you'll come out ahead, sometimes way ahead.
I've had only three major claims in my life. In those cases my close, face to face relationship with my agent got me considerably more compensation than I likely would have without that personal relationship. My policies may have been priced a little higher than the cheapest I could have bought but they turned out to have been real bargains.