Blanket insurance differs from specific insurance in that a blanket limit:

a.Applies a separate limit to each building
b.Applies only after specific limits are used
c.Covers several items under one shared limit
d.Covers one item at one described location

解析

A blanket limit is a single amount standing behind two or more buildings, locations or categories of property, so it can flow to wherever the loss happens. The descriptions naming one item at one location, or a separate limit for each building, both define specific insurance, the arrangement blanket coverage is contrasted with. Blanket is not an excess layer above other limits.

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