Generally, consumers invest more time researching a car or home computer purchase than they do in making the decision of which insurer to buy homeowners or auto insurance from, yet the consequences of an inappropriate decision in the latter case can have much more far-reaching consequences.
This book discusses the basic insurance coverage that all of us deal with-homeowners, auto, tenants', life, health and disability. It will also cover the simpler forms of small business (business-owners) policies. Details from how the insurance is sold to determining the amount of necessary coverage to common exclusions in policies are also explained.
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Richard Wm. Zevnik received his law degree from Loyola Law School in Los Angeles, California. He has worked with Prudential and Kemper Insurance companies and has served as an associate with several insurance law firms in California. Mr. Zevnik currently practices in San Clemente.
Does "all-risk" homeowners insurance really cover all risks? What are the "exclusions" and why are they excluded? Anyone who's ever tried to navigate the maze of homeowners or auto insurance will welcome this clear, businesslike guide by Zevnik, a lawyer who specializes in insurance issues. Granted, the prose is dry and legalistic (a glossary helps), but the book nonetheless demystifies a complex business as much as possible and helps consumers find the best insurance for their needs. Focusing primarily on homeowners and auto insurance (with brief discussions of health and disability), Zevnik walks readers through the process of reading a typical policy and answers such questions as whether it's worth paying a higher premium to get a higher liability limit. This isn't engaging reading, but Zevnik's useful book could save readers from future financial losses.
Copyright © Reed Business Information, a division of Reed Elsevier Inc. All rights reserved.
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