Insurance policies are long...and detailed...and incredibly dry. Remember some of your textbooks from school? Like that. Your insurance agent is the best person to talk to about what is covered - and more importantly what isn't.
Here's a pretty comprehensive look at what is covered under most insurance policies and where many of them fall short from Forbes magazine. In the article they speak with an underwriter from MetLife Auto & Home, which is one of the carriers we represent at Gallagher.
http://bit.ly/9kpT4B
As always, contact me if you have more questions.
Its is very time consuming and do needs patience to understand the whole policy. But at the same time it also important to be aware of all the deatils of the coverages that are in the policy. Agents do help a lot in understanding the policy but sometimes the language of the policy is quite difficult. I will check out the link to know the common deatils.
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