It cannot be stated enough that insurance is not something you can just buy as is off the shelf. Limits, deductibles, lifestyle, assets, and the carriers themselves are all a part of the purchasing process. Policies with a cheap price tag can often be riddled with exclusions which are most likely unknown until after a claim occurs. That’s why it’s important to ask questions, dig deeper into the actual policy, and consult with an independent insurance agent. For more information on how to better educate yourself click the link.