The International Risk Management Institute (IRMI) is regarded by many as the premier authority in providing expert advice and practical strategies for risk management, insurance, and legal professionals.
I was honored when Robin Olson, the principal research analyst for IRMI’s Personal Risk Management and Insurance practice contacted me and asked me to provide a peer review for an article he was preparing for a leading insurance industry trade publication, The CPCU e Journal, published by the CPCU Society. This 18 page white paper, Personal Lines Insurance Coverage Gaps – Analysis and Resolution, was written to educate insurance and risk management professionals, and offers very detailed insights into this very broad topic.
While this article is surely not recommended late night reading, several insurance-geek friends of mine have called to congratulate me for my work being cited (on pages 2, 4, 7, 9, 16, 17 and 18) with the likes of Freakonomics authors Steven Levitt and Stephen Dubner as a research source for this paper.
Let me know if you actually read all 18 pages, and I will write a check to the charitable organization of your choice for your interest and efforts! Meanwhile, please realize that if it takes 18 pages to educate insurance professionals on the common gaps in protection, then it requires a lot of close attention to many details for insurance professionals to design and manage a well crafted insurance program.
With alarming frequency, the media reports heart wrenching stories of insurance consumers who have had a significant property or liability loss, only to learn after the loss that the insurance policy they have purchased does not provide the proper coverage. 
In this great article
For families (especially multi-generational families) who own many residences in different states, it can be overwhelming trying to keep track of all the insurance coverage protecting each home, every outbuilding, and the personal contents and valuables located in each residence.
…there is an insurance solution, if you know where to look (and who to ask). Meanwhile, I’m often surprised to meet prospective clients who have been told by other insurance brokers “there’s no coverage available”. In the vast insurance marketplace, that is rarely the case!
Private Risk Advisor 