Complete Book of Insurance

August 1, 2004
Does "all-risk" homeowners insurance really cover all risks? What are the "exclusions" and why are they excluded? Anyone who's ever tried to navigate the maze of homeowners or auto insurance will welcome this clear, businesslike guide by Zevnik, a lawyer who specializes in insurance issues. Granted, the prose is dry and legalistic (a glossary helps), but the book nonetheless demystifies a complex business as much as possible and helps consumers find the best insurance for their needs. Focusing primarily on homeowners and auto insurance (with brief discussions of health and disability), Zevnik walks readers through the process of reading a typical policy and answers such questions as whether it's worth paying a higher premium to get a higher liability limit. This isn't engaging reading, but Zevnik's useful book could save readers from future financial losses.

October 1, 2004
Attorney and former insurance underwriter Zevnik here focuses on property and casualty insurance, including automobile, homeowners', renters', and small business owners' policies. Health, life, and disability insurance are also discussed briefly. Zevnik begins with the history, economics, and structure of the insurance industry, outlining each type of insurance and explaining the common elements of the policies. He emphasizes what is typically covered and what is typically excluded from coverage, with extensive discussion of the meaning of the terminology found in insurance policies. The information is presented logically and clearly, and while this is not an engaging cover-to-cover read, it will be useful to readers trying to understand a policy they own or one they contemplate purchasing. Recommended for public libraries where there is interest in self-help consumer titles.--Joan Pedzich, Harris Beach LLP, Rochester, NY

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