What You Need, What You Don't

December 10, 2004 10:17 PM

International Herald Tribune offers an excellent recap of some commonsense insurance must-knows.

1) Some insurances are a waste of money:

Rental collision damage waiver
Extended warranty insurance
Flight insurance
Credit and mortgage insurance
Children's life insurance
Cancer insurance
Pet insurance

2) Increasing deductible is the single best way to keep insurance cost low while still keep necessary protection

3) Cash value insurance is a sucker for most people

4) Underinsurance is another problem: don't ignore medical insurance; sufficient coverage for home insurance is a must too.

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