Insurance for Dummies by Jack Hungelmann (PDF)

Description

Now updated ― your guide to getting the best insurance policyAre you intimidated by insurance? Have no fear ― this easy-to-understand guide explains everything you need to know, from getting the most coverage at the best price to dealing with adjusters, filing claims, and more. Whether you’re looking for personal or business insurance, you’ll see how to avoid common pitfalls, lower your costs, and get what you deserve at claim time.Get to know the basics ― understand how to make good insurance decisions and reduce the chances of a financial loss in your lifeTake your insurance on the road ― manage your personal automobile risks, handle special situations, insure recreational vehicles, and deal with insurance adjustersUnderstand homeowner’s and renter’s insurance ― know what is and isn’t covered by typical policies, common exclusions and pitfalls, and how to cover yourself against personal lawsuitsBuy the right umbrella policy ― discover the advantages, and coordinate your policies to cover the gapsManage life, health, and disability risks ― explore individual and group policies, understand Medicare basics, and evaluate long-term disability and long-term-care insuranceOpen the book and find:The best life, health, home, and auto policiesStrategies for handling the claims process to get what you deserveTips on adjusting your deductible to suit your lifestyleHow to navigate healthcare policiesWays to reduce your risk and your premiumsCommon traps and loopholesConsiderations for grads, freelancers, and remote workers

User’s Reviews

Editorial Reviews: From the Inside Flap Now updated — your guide to getting the best insurance policyAre you intimidated by insurance? Have no fear — this easy-to-understand guide explains everything you need to know, from getting the most coverage at the best price to dealing with adjusters, filing claims, and more. Whether you’re looking for personal or business insurance, you’ll see how to avoid common pitfalls, lower your costs, and get what you deserve at claim time.Get to know the basics — understand how to make good insurance decisions and reduce the chances of a financial loss in your lifeTake your insurance on the road — manage your personal automobile risks, handle special situations, insure recreational vehicles, and deal with insurance adjustersUnderstand homeowner’s and renter’s insurance — know what is and isn’t covered by typical policies, common exclusions and pitfalls, and how to cover yourself against personal lawsuitsBuy the right umbrella policy — discover the advantages, and coordinate your policies to cover the gapsManage life, health, and disability risks — explore individual and group policies, understand Medicare basics, and evaluate long-term disability and long-term-care insuranceOpen the book and find:The best life, health, home, and auto policiesStrategies for handling the claims process to get what you deserveTips on adjusting your deductible to suit your lifestyleHow to navigate healthcare policiesWays to reduce your risk and your premiumsCommon traps and loopholesConsiderations for grads, freelancers, and remote workers From the Back Cover Now updated ― your guide to getting the best insurance policyAre you intimidated by insurance? Have no fear ― this easy-to-understand guide explains everything you need to know, from getting the most coverage at the best price to dealing with adjusters, filing claims, and more. Whether you’re looking for personal or business insurance, you’ll see how to avoid common pitfalls, lower your costs, and get what you deserve at claim time.Get to know the basics ― understand how to make good insurance decisions and reduce the chances of a financial loss in your lifeTake your insurance on the road ― manage your personal automobile risks, handle special situations, insure recreational vehicles, and deal with insurance adjustersUnderstand homeowner’s and renter’s insurance ― know what is and isn’t covered by typical policies, common exclusions and pitfalls, and how to cover yourself against personal lawsuitsBuy the right umbrella policy ― discover the advantages, and coordinate your policies to cover the gapsManage life, health, and disability risks ― explore individual and group policies, understand Medicare basics, and evaluate long-term disability and long-term-care insuranceOpen the book and find:The best life, health, home, and auto policiesStrategies for handling the claims process to get what you deserveTips on adjusting your deductible to suit your lifestyleHow to navigate healthcare policiesWays to reduce your risk and your premiumsCommon traps and loopholesConsiderations for grads, freelancers, and remote workers About the Author Jack Hungelmann has more than 2,000 hours of insurance education and has been in private practice for more than 30 years. He is the proprietor of an insurance agency, and he teaches risk management and insurance courses through continuing education programs in Ohio and Minnesota. Read more

Reviews from Amazon users which were colected at the time this book was published on the website:

⭐I ordered this book in hopes of getting a better understanding of the insurance market place and such only to find that the book doesn’t mention the Affordable Care Act, The Health Insurance Marketplace and does not provide current information. Information on HSA accounts was almost minimal at best. Very disappointed at this book and the fact that I spent money I can’t get back. I bought a bunch of other books at the same time and can only hope that they are not as bad.

⭐I purchased this book prior to taking the Property and Casualty state test. I read this book cover to cover and then began studying the offered material for the exams and I had a much better understanding than if I would have jumped right into studying. This book does exactly what is says it does…it dumbs down insurance to a point that anyone can understand and draw their own decisions and conclusions on their own coverage. Whether you want to be an agent or just learn alittle more about insurance in general, this is a great resource.

⭐Every auto or homeowner should read this book–it will pay for itself in a variety of ways, especially by adjusting some deductible upward. Several years ago I started reading my policies, and was shocked at the gaps in my coverage and in one case, from a large, well known name, the paragraph that allowed them to depreciate my boat 10% a year to arrive at a value. My boat is a 2005 model, so they are guaranteeing me I have no damage insurance!The discussion of limits is valuable, especially considering the potential court awards. I always thought I probably overinsured, however it appears my coverage is almost minimal, even though the underlying policies are at the highest limits available in most cases. Thus, the need for an umbrella and as much as you can get and afford.He does overpitch IMO the value of an agent. I never use mine, but I’m proactive now with all policies and review them at least yearly. Frankly I don’t trust them, as they cannot possibly know the contents of every underwriter’s policy. This is a project for all of us–read and understand your policies–and this book is the perfect guide to get started.

⭐extremely informative, I am studying for my Property and Casualty exam here in Phoenix and decided to get the very basics from this book 1st and then move into an Arizona specific text with practice exams. This manual was actually designed extremely well, good relevant, practical information for the beginner and every day American. I am glad I took the time to read it and fill out my basic knowledge and understanding of insurance.

⭐I just love the information and how the book is written. I believe every person should read this book. Saving monthly on insurance is not the answer to proper protection.

⭐This book is a gem. Great for people with little or no background insurance as well people who have a thorough knowledge of insurance.

⭐Information is organized nicely and covers all topics most people need to ubderstand. Easy to read and very highly recommended!

⭐Bought this upon my fathers request. He found it very useful and helped our family quite well.

⭐This book is entirely about insurance in the USA. It has no relevence at all to insurance in the UK and it shouldn’t be sold here.We don’t need to know about “medicare”, US health insurance, or cover against being sued for millions of dollars by US lawyers.

⭐Brilliant for my secret Santa

⭐This was the American version which is no use to me.

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