[JRTJH]

Speaking of disclaimers, this is posted at the end of the linked article:

"Disclaimer: The information in this article was obtained from various sources. This content is offered for educational purposes only and does not represent contractual agreements, nor is it intended to replace manuals or instructions provided by the manufacturer or the advice of a qualified professional. The definitions, terms and coverage in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied."

Seems the article is more an opinion editorial than a reliable fact filled reference. YMMV