“I Thought I Was Covered…” It’s something we hear all the time — usually after something unexpected happens. Insurance can feel straightforward… until it isn’t. Many people assume they’re covered for certain situations, only to find out later that their policy doesn’t work the way they thought it did. The good news? A little clarity now can prevent a lot of stress later. Let’s break down some of the most common misconceptions we see — and what you should actually know. “My Ho