The author provides answers to the most basic questions people ask about risk management on investments in home and auto insurance, covering subjects such as understanding what you're really getting for your money, knowing whether you're being treated fairly, and learning how to minimize the cost of protection. The book offers detailed step-by-step instructions on how to read and make sense of your homeowners or car insurance policy, clear guidelines on how to file a claim and make a complaint effectively, and how to avoid being over-insured.