Kiplinger

Two-Thirds of Americans Have Inadequate Insurance. I was One of Them.

In October, I took my family on a trip to Europe. While waiting for our return flight from Paris to Detroit, I received a frantic call from our housekeeper.

"I just walked into your house," she said, "and there's a river running through it."

The pipe providing water to our refrigerator broke. Located in the ceiling above our kitchen, it had run unabated for the entire weekend, pooling down through the ceilings, the walls and underneath our wood

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