Insurance is a complicated commodity. There are minimum legal requirements for certain kinds of coverage and there are minimum kinds of coverage for certain kinds of things and there are things that you can't get coverage for. 

The rules are constantly changing and to stay on top of what is the best that can be done for your circumstances at the best possible price, you need an insurance broker to look after your insurance needs. The insurance broker invests the time necessary to learn what kinds of insurance customers the insurance companies want. Matching the insurance customer with the company that wants to insure those kinds of customers results in a good rate for the customer and a good customer for the insurer. It isn't any more complicated than that!