Home Insurance Trap?

Homeowner policies have important differences that can affect whether claims are paid, according to a study scheduled to be published early next year in the University of Chicago Law Review.  The problem is that those differences are poorly understood.  Some policies provide $1,000 per item damaged by a sudden electrical current, and others pay an aggregate of $1,000.  Some include mold and lead coverage, while others don’t.   The article includes several tips for buyers.
Wall Street Journal  December 3, 2011