Insurance policies are written by insurance companies to cover specific risks and exposures. Every word is carefully placed to clarify, expand, and restrict coverage. There are no hidden meanings. There is no subterfuge. Ambiguity in insurance contracts can be disastrous for the insurance company as courts always read confusing language in favor of the insured.
Courts, too, help define insurance contract language. Precedent moves insurers to further clarify language.
A basic understanding of insurance is not a Herculean task. For over 50 years, I have been explaining insurance concepts and issues to insurance buyers. Heck, helping insurance buyers is why I’m in business. All you have to do is call.