What Is The Right Amount of Insurance?

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It's a good bet 2009 will become known as a year for living frugally, as cash-strapped Americans try to stretch their dollars amid a weak economy.

So let's warm up with some tips and observations about insurance.

It's easy to overlook various types of property insurance when drawing up your budget, yet proper coverage can mean the difference between financial survival and ruin if calamity strikes. Conversely, you can waste a lot of money on unneeded coverage.

So here are some suggestions for doing it right in the year ahead. [read more]