I found out this week after following up with our insurance brokers 3-4 times that theft apparently isn’t a part of our coverage. Supposedly we have a ‘all-inclusive’ policy, but they forgot to mention that everything of value is not covered due to exclusions buried in the 40 page document. I have a very bad taste in my mouth now towards our insurance broker and the underwriter. I feel like they are just taking our money and backing out of responsibility by hiding behind layers of paperwork and undecipherable legalese. I wish that insurance wasn’t such a necessary evil.
