The Naked Insurance Auto & Home Owner: In this first edition of The Naked Auto & Home Owner, Michael Carroll draws off decades of experience in the Auto & Home Owner insurance business to tell a series of tales - sad but true - that demonstrate how insurance generalists are not equipped to design policies to properly protect Auto & Home Owners. It's not because they don't mean well; it's because Auto & Home Owners are subject to their own unique - and sometimes devastating - risks. In The Naked Auto & Home Owner: Michael Carroll shares with his readers not only how they can protect themselves against the fatal gaps that can devastate their lives, but do so without the burden of heavy premiums.