Could it already be included?

A car window breaks. Your first thought is “How much will this cost?” The useful first step is checking what your policy actually says.

The same questions help with any benefit: what is included, when can I use it, and who do I call? The name alone does not answer them.

A short conversation with your adviser can clarify what you already have before you decide what else you need.

Remember this

Understand your existing benefits before choosing more.