Insurance is like a foreign language to most people. A foreign language  most people think they should somehow already know; as if their mother had sung to them when they were in her belly and they should primordially remember the way she crooned the "Replacement Cost" lullaby to them, or later taught them the "My-mother-has-the-very-best-Ordinance-Coverage-and-you-are-not-it" jump rope chant. Alas, no. While insurance certainly is a language of its own, very few of us were actually taught anything about it, aside from the fact that we need it.