Insurance is...

~ Insurance is mistakenly bought and sold primarily on price, ignoring the fact that insurance policies are complex legal contracts full of exclusions and limitations.

~ Alarmingly, the vast majority of consumers have at least one, and usuually several, major gaps in their coverage - leading to potentially disasstrous results at claim time.

~ Many of those gaps can be plugged without significantly increasing insurance costs, just by transferring premium dollars from relatively unimportant coverages to pay for the missing coverages.