Car sucked by tornado - GIF

[hemmjo]

One sad fact is far too many people do not even have a basic home owners or renters insurance policy... snip

It is unfortunate that so many people do not have a basic understanding of insurance. I know that I certainly did not when I was younger. It took a couple of situations to get me to pay more attention to it. There are good companies, and bad companies. The cut rate companies that specialize in minimum coverage policies are the worst.

Basically, the more you have "at risk" the more you need to understand the coverage you are paying for. Be sure you look at the "exemptions" listed on your policy for things that are not covered. A GOOD agent is very worth while if you can find one.