This is good advice. One wants to be sure that one is reading the entire policy. Key words here are "certified complete copy" and once someone at the insurance

This is good advice. One wants to be sure that one is reading the entire policy. Key words here are "certified complete copy" and once someone at the insurance company who is authorized to do so certifies a copy as complete, you can be a little more sure you're dealing with the entire thing than the "copy that happened to be attached to someone's email." The first page or so will explain who the policyholder is, what is the effective date of the policy, and what forms constitute the insurance being provided. The rest of the policy is (usually) a set of forms approved by the state insurance commissioner that define, in particular, what is and is not being insured. Be aware that something that is very clearly defined on the first page of the first form is very frequently completely contradicted by something on the fifteenth page of the thirtieth form, which makes it very important to have the complete set. In general insurance law is such that you ought to be able to read the entire policy and make sense of it - no tricks. In practice there are some wrinkles and it's good to consult a professional but if you read the policy you will at least have some awareness of the coverage you can expect.