### Clue: Insurance policy on rental property, which is found on bed (8)
### Answer: COVERLET 
 ### Explanation: Definition: which is found on bed
 COVER(protection against loss provided by an insurance policy) **placed above**(on, in a down clue) LET(a property that is leased/rented out).
Defn: That …, on top of the bedsheets and blankets.