Not sure if it is code but you should put a return piece on the top of the rail to the wall- keeps purses, jackets, etc from snagging on the top of the rail.

Good question and I support what @Tim Puffer said, the main difference is in the policy jacket(the language of the policy (the devil is in the details)) as @tim Puffer so wisely noted.I believe it is a shared job between agent and person purchasing insurance to discuss needs and come up with a plan in how to indemnify you, (transfer risk to the insurance company) and you pay the fee to do so (Aka premium).

a nice leather jacket (just my size) and a couple of $K worth of other stuff that I yard saled!

They will stand outside for 15 or 20 minutes after they finish smoking to allow to air out and leave their jacket/outer layer of clothing outside of their homes on the porch to air out.

(Go Jackets!)

I'm living in Switzerland now, and I can tell you that the fall jacket, the winter jacket, the rain boots the snow boots, gloves, scarves, etc.