“Do I need flood insurance in a fourth-floor apartment?” my friend Jamie asked himself recently. But after being attacked with a 48-page document from his insurance company, he decided it was easier just to pay.

All the jargon, riders and provisions, and “enhanced” this and “personal property” that is enough to make you burrow under the covers. But since we are buying a house for the first time, I had to educate myself, and let me tell you, it was not pretty.

I won’t pretend I’m an expert and tell you what kind of insurance you need or don’t, but here is the tale of how I cut my rate by 63%. Read more at Parentables, where I blog twice a week. Thank you!

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