I spent a good chunk of the day in front of a video camera, answering about 80 questions related to homeowners insurance for a new consumer-oriented, how-to Web site set to launch next month. One thing I learned from the experience is how complicated insurance really is, especially for the average person, who is basically clueless about the industry and their own coverage.
I also realized that no one teaches people about this stuff in school. (Which is why this new Web site is such a good idea. I can tell you more about it when it formally launches).
When I went to school, back when dinosaurs still roamed the Earth, nobody taught me what auto or homeowners insurance was. Or why I needed it. Or what it covered (and didn't cover). Or how to go about filing a claim. Or what to do if an insurer rejects your claim, or won't renew your policy.
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