Hi Robert. The best answer to your question will come directly from your insurance company. Call them and ask the insurance representative your question. As ‘they’ say, the devil is in the details, and often the insurance policy itself is very difficult to read through and completely understand, so I always advise that if you have a specific coverage question, ask your insurer. I also hardily advise that once you get the answer that you send the agent a ‘thank you’ email that really serves to summarize your understanding of what they just told you so that you have something in writing covering the answer that they just gave you (always better to have things in writing if you know what I mean 🙂
I hope that this helps.
Robert, You can contact Philadelphia Insurance Company directly to have your question answered. You can reach by phone at (877)438-7459 or by email at [email protected]. They will answer this and any other insurance questions you may have.