Traps it covers
two_of_a_kind A current and a previous policy for the house and for the Outback, two debit cards on one account, two Wi-Fi networks.
only_in_file The 1% wind and hail deductible ($4,120) is only in the policy declarations and the booklet; Leah's hail note says only "a percent". The booklet is the long document. Two of its clauses matter: the special limit of $1,500 for theft of jewelry (the ring, appraised at $6,800, was never scheduled), and the freezing clause (no cover for frozen pipes while the house is unoccupied unless the heat is kept on or the water is shut off and drained), which matters for sixteen nights away in December.
