AN
I think we are on the same page. I simply hear people use terms like full coverage or make statements like everything is covered and I know from experience that this is not the case. All Policies have limits. They are covered p to those limits. If those limits are exceeded they are on the hook for the difference.
I’ve heard good things about AAA. Liberty Mutual also has a faily good reputation.
What you may also want to check on your policy is that it has a cost of inflation rider. This prevents you from going 10 years without adjusting for costs. This is what caused many people to be underinsured.