The average American family spends over 11% of their budget on insurance. Insurance touches most areas of our lives. Like it or not, we live in a world ripe with challenges, and sometimes bad things happen. When it works well, insurance is there to help us recover and make us whole again. When it doesn't work, it can be frustrating beyond belief. Believe me - I've been there. The goal of this book is to break down the complex world of insurance into common-sense concepts you can use to protect your family, understand what you need (and what you don't need), and find the best coverage for the best price possible. Insurance is something you never want until you absolutely need it. Then it's like water or oxygen and it is critically important.