Imagine you want to buy a toy car but you do not know where to find one. So you ask someone who knows about toy cars and can help you choose the best one according to your likes and budget. That person is like an insurance broker.
A broker is someone who helps you find an insurance policy that fits your needs. They work for you, not for the insurance company. Just like the toy car expert, the insurance broker knows all about insurance policies and can explain them to you in a way that you understand. They can also compare different options from different companies to help you make the best choice.
Once you have decided which policy you want, the broker will help you sign up for it and make sure that you understand all the terms and conditions. If you need to make a claim, the broker will be there to help you through the process and make sure that you get the coverage you paid for.
So, if you need insurance, don't be afraid to ask a broker to help you. They are like your personal insurance experts that work for you to help you find the right coverage for your needs.