When it comes to insurance, there are a lot of important details that you need to understand. However, if you’re new to the California market, it can be difficult to find the right agent and navigate through all of the policies available.
An insurance policy is like a contract: you agree to pay money (the premium) to receive something in return (protection). In exchange for your premium payments, the insurer agrees to pay for something if certain events occur. The two parties also agree on how much responsibility each party has and how to handle disputes that may arise.
The details of the policy are important because they define the bounds of your relationship with your insurer—a good relationship will be based on clear expectations, while a bad one can be mired in confusion and conflict.