Do you read your insurance policy?  Not many people do, as they rely on their insurance brokers or agents to do the “dirty work” for them. Generally, this is not a good practice to follow when purchasing insurance, and is equivalent to purchasing a car without knowing the mileage, year and past mechanical issues of the vehicle.  Remember: your insurance policies are a contract, and it is imperative to know what exactly you are covered for and if the policy responds to the needs that led you to purchase insurance for in the first place. While reading your insurance policy can be difficult, it is a task that must be done to make sure you are getting what you paid for. In this post, we'll break down the terminology and line items to look for.