Nearly two-thirds of homeowners are underinsured. Make sure you're not one of them.

By Pat Mertz Esswein, Associate Editor

From Kiplinger's Personal Finance magazine, July 2010

Hunkered down at home in Great Falls, Va., during the blizzard of 2010, Doug Colley and his wife, Christina, discovered a sparking surge protector that quickly set their bedroom on fire. Engulfing smoke drove the couple out into the cold with only their coats and Christina's purse. Fire trucks from several area firehouses responded, but they couldn't reach the house because 3 feet of snow covered the couple's half-mile-long driveway.