People think the landlord's insurance covers them if something happens, but that's not true. His coverage is on the building, not your personal belongings.

Because they no longer live with their parents, they'll need to insure their car on their own. They may find that insurance is very expensive. College grads tend to want to go out and buy new, sophisticated cars. They don't realize the cost of insuring that car. There are huge increases to move to big cities.

An uninsured loss such as the theft of a laptop or a liability claim stemming from a party mishap can deal a devastating blow to a college students' limited bank account or the livelihood of a parent already struggling with high tuition bills.

Participation in the annual Best Practices Study has become a prestigious achievement for those that qualify for inclusion. It means the agency is among the best in the country. To be the top performer in one of the study's peer revenue groups means that agency is the 'best of the best.' It is an outstanding accomplishment.

The logic behind it is if you're desperately in debt, you might burn the car to collect the insurance. That's the plain and simple of it.

This type of insurance covers all sorts of events and perils. A kite-flying contest, for instance, can only take place if there is wind. If there's a storm, the party can't go on.