The purpose of this blog is to demystify the world of insurance for the average homeowner, car owner and driver, and apartment renter. It is almost impossible for ordinary consumers to make genuinely informed choices without understanding how the business of insurance works; what the different marketing channels for selling policies are; and, what is or is " not typically covered by a given kind of policy.
Unfortunately, if the wrong choices are made and a loss occurs, the consequences can be all too interesting, frightening, and life-changing. Unsuitable insurance choices present the potential of no coverage for a substantial theft or fire loss or not enough coverage for a catastrophic liability lawsuit, such as an automobile accident, that could force you into bankruptcy.