With 2012 upon us, we consider the insurance policies we're really going to need this year.

Pssst, pass it on!

Yikes! A look at the numbers reveals that we're in a lot of trouble. See where we're vulnerable to disaster.

You don't want your home insurance to let you down when disaster strikes.

Time to get your house (and home insurance policy) ready for power outages.

You're likely to experience sticker shock for home insurance under these circumstances.

Why you should look beyond price when you buy auto or homeowners insurance.

FEMA has a program that can help pay for disaster recovery that’s not covered by insurance.

Best advice for choosing contractors: "If you didn’t request it, reject it."

By being prepared, you can avoid a feeling of panic if you need to make a home insurance claim.

When making an insurance claim, what you say can mean the difference between a fast payment and a nightmarish process.

And "please" is not one of them.

Scam artists arrive after any big storm. Here's what to watch for.

Here's what goes wrong when insurance companies have bad days.

Here's how to determine which insurance companies are worthy of your business.

Insurance agents have many techniques for closing the sale. Now it’s time to turn the tables.

Is your house a home insurance claim waiting to happen?

If your house is unhabitable due to a disaster or fire, your home insurance can pick up the tab for living somewhere else.

Global losses in 2011 were second highest since 1970.

We're "shockingly unprepared" for disasters. Every time.