What's done is done. Actually, I think you should make your agent sit down with you and your wife (and maybe your mom too, to prove your point) and get that agent to explain the whole policy to you. If she can't do a good job, make her get her manager to explain the policy to you.

Honestly, if you read and study the policy yourself and end up still not understanding much, what is the point? Push the agent and the insurance agency to discuss with you until you fully understand the policy coverage. That agent needs to know you are not satisfied with her inefficiency.