Exactly. But we've been there done that in several threads. There is no good way to provide the required explanation for all the available options.
People need to read their policies. There are no standard umbrellas. There are no policies that cover criminal acts.
Here's a hint though. If the company's marketing material is more verbose than their policy, it's probably not a good deal for you.
"I've heard this is a good read. I'm mean, I haven't read it myself but many very smart people said it's a good read. Believe me, many people are saying it....."