Most people know that they need insurance, but don’t understand much about it. Furthermore, the law requires some insurance, such as auto insurance and mandatory workers compensation. Other kinds of insurance make good sense because it can help protect and replace important and valuable assets. Some people think it does not really matter where they buy their insurance. But this misconception could be costing them money, service and protection, and possibly their financial security. Insurance not a commodity – almost all policies are different, some crucially different, and a good agent will be able to explain these differences. Insurance isn’t like buying bread or milk as not all coverage, insurance companies or policies are created equally. Insurance is an important safety net for your family, your home, your car or your business.