The authors provide concise but thoughtful insight on the way insurance companies in America (health, auto, life, and home) manage their risks, reasons to get insured, and strategies for finding the cheapest appropriate coverage. Home, auto, and health insurance are each covered in about ten chapters; life insurance is addressed in four. They explain what different types of insurance agents do and how to find one, the types auto policies available and their fine print and surcharges, Medicare and Medicaid, employee health policies, and actions to take when having difficulty getting insured, among other topics. Resources for information and advocacy are provided. Annotation ©2008 Book News, Inc., Portland, OR (booknews.com)