From Publishers Weekly
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.
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About the Author
Richard Wm. Zevnik has over twenty-five years of experience in the business of insurance and the practice of law. From 1979 through mid-1985, Mr. Zevnik was a commercial property insurance and reinsurance underwriter for the Kemper Companies and the former Prudential Reinsurance Company (now known as Everest Reinsurance Company).
Mr. Zevnik attended Loyola Law School in Los Angeles in the evenings while working full-time at Prudential Reinsurance. He graduated in June 1985 in the top twenty percent of his class. After graduation, Mr. Zevnik entered private practice, and was admitted to the California State Bar in December 1985. He is admitted to practice before all federal courts in California and Arizona.
His practice has included defense of professional liability lawsuits and, since 1994, his practice has concentrated exclusively on insurance coverage advice, insurance coverage, and bad-faith trial court and appellate litigation. He presently practices law in Irvine, California, principally representing insurers on insurance coverage issues.
Mr. Zevnik has authored articles on legal ethics issues for the International Association of Defense Counsel and has lectured on insurance coverage and risk-transfer issues. He also authored legal ethics opinions while a member of the Los Angeles County Bar Association Professional Responsibility and Ethics Committee.
Mr. Zevnik currently lives in San Clemente, California with his wife, Susan.