Are You Overinsured?

Some policies may not offer much additional benefit

and out-of-pocket expenses that you might incur.” Some of the covered expenses might include reimbursement for phone calls, mailing costs, and legal fees.

What to consider: Identity-theft insurance is inexpensive, ranging from $25 to $50 per year for $15,000 to $25,000 in coverage, according to the Insurance Information Institute. Many homeowners’ insurance policies already include this benefit. So

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