A New England mom was scrupulous about maintaining her family's rainy day fund in a home equity line of credit at her credit union.  So Donna Alton was stunned when she discovered that someone had cleaned out the account in three separate electronic wire transfers.  When the credit union refused to replace the funds because they believed the transfers were legitimate, she was at a loss. 

Insurance can be tricky.  We know we should have it, but how much coverage do we need?  Figuring that out can be especially hard with homeowners or renters insurance, which must cover not only the property itself, but also related belongings and more.