Consumer Action Publications

Consumer Action creates award-winning free multilingual educational guides on a wide range of personal finance topics and other subjects of interest to consumers. Many publications are available in Chinese, Korean, Spanish and Vietnamese, as well as English. Each year, we distribute more than a million of our publications through a national network of 7,500 community organizations. Nonprofit and community-based agencies may order these free publications in bulk by clicking here for downloadable order forms or online ordering instructions.

2018

June

26
FEMA spells federal disaster relief for homeowners and renters Cover

FEMA spells federal disaster relief for homeowners and renters.

The Federal Emergency Management Agency (FEMA) offers a variety of programs to help victims of disasters repair, rebuild or replace their homes and possessions. This publication describes the types of FEMA assistance available to homeowners and renters and provides details about program eligibility and the application process. It also highlights the limitations of FEMA assistance and stresses the importance of purchasing adequate personal insurance coverage.

FEMA spells federal disaster relief for homeowners and renters (Korean) Cover

FEMA spells federal disaster relief for homeowners and renters (Korean).

연방 재난관리청(the Federal Emergency Management Agency [FEMA])은 재해 피해자들의 주택 및 소지품에 대한 수리, 재건 또는 교체를 돕기위해 다양한 프로그램을 제공합니다. 이 안내서는 주택소유자들과 세입자들이 받을 수 있는 FEMA 지원의 유형들에 대해 설명하고 있으며 프로그램 자격 및 신청서 처리 과정에 대한 상세한 정보를 제공합니다. 이 안내서는 또한 FEMA지원의 한계에 대해 강조하고 있으며 충분한 개인 보험 가입의 중요성에 중점을 두고 있습니다.

The Federal Emergency Management Agency (FEMA) offers a variety of programs to help victims of disasters repair, rebuild or replace their homes and possessions. This publication describes the types of FEMA assistance available to homeowners and renters and provides details about program eligibility and the application process. It also highlights the limitations of FEMA assistance and stresses the importance of purchasing adequate personal insurance coverage.

Homeowners and renters insurance (Korean) Cover

Homeowners and renters insurance (Korean) What you need to know before and after a natural disaster.

다수의 미국 주민들이 자연 재해의 위험이 있는 지역에 살고 있으며 대부분의 가정들은 그들의 주택 및 소지품의 손실을 어떻게 회복할 것인지를 심각하게 생각해 보아야 합니다. 이 안내서는 기본 주택소유자 또는 세입자 보험으로 보상 받을 수 있는 재해 손실과 보상 받을 수 없는 재해 손실, 충분한 보험 가입을 위한 정보, 재해 발생 후 피해 복구 절차, 그리고 충분한 보험이 없을 경우 선택할 수 있는 옵션 등에 대해 설명하고 있습니다.

With the majority of U.S. residents living in areas at risk of a natural disaster, most households need to seriously consider how they would recover from the loss of their home and possessions. This publication explains which disaster losses are—and are not—covered under a standard homeowners or renters insurance policy, how to make sure you are adequately insured, what steps to take to recover your losses after disaster strikes, and what your options are if your insurance falls short.

Disaster Insurance and FEMA Assistance - Seminar Lesson Plan and Class Activities Cover

Disaster Insurance and FEMA Assistance - Seminar Lesson Plan and Class Activities.

This downloadable packet guides community educators through a two-hour presentation on insuring your home and belongings against disaster and the ways FEMA helps homeowners and renters recover. In addition to the lesson plan (to be used in conjunction with the downloadable PowerPoint presentation), the packet includes exercises, resources and a class evaluation form.

Disaster Insurance and FEMA Assistance - PowerPoint Training Slides Cover

Disaster Insurance and FEMA Assistance - PowerPoint Training Slides.

This downloadable PowerPoint presentation is designed to be used in conjunction with the “Disaster insurance and FEMA assistance’” lesson plan. The slides provide a visual component to the training that helps to engage learners and improve retention.

Homeowners and renters insurance (Spanish) Cover

Homeowners and renters insurance (Spanish).

La mayoría de habitantes de Estados Unidos viven en zonas donde existe el riesgo de que ocurra una catástrofe natural y, por lo tanto, la mayoría de familias deben considerar seriamente cómo recuperarse si llegaran a perder su vivienda o sus pertenencias. Esta publicación explica cuáles daños cubre, y cuáles no cubre, una póliza estándar de seguro de propietarios o de inquilinos; cómo cerciorarse que la cobertura que tiene es suficiente; los pasos que debe tomar para recuperar lo que perdió en un desastre; y sus opciones cuando su cobertura resulta insuficiente.

FEMA spells federal disaster relief for homeowners and renters (Spanish) Cover

FEMA spells federal disaster relief for homeowners and renters (Spanish).

La agencia federal encargada del manejo de emergencias, Federal Emergency Management Agency (FEMA), ofrece una variedad de programas para ayudar a víctimas de catástrofes a reparar, reconstruir, o reemplazar sus viviendas y pertenencias. Esta publicación describe los tipos de assistencia que FEMA ofrece a propietarios e inquilinos y proporciona detalles sobre cómo calificar para los programas y sobre el proceso para solicitar ayuda. También explica la manera en que se limita la ayuda de FEMA y recalca la importancia de comprar una póliza de seguro personal adecuada.

2017

October

18
Insuring yourself in the ‘sharing economy’ (Chinese) Cover

Insuring yourself in the ‘sharing economy’ (Chinese).

“經濟共榮”可以提供你新的賺錢方式,但如同任何商業公司或自雇工作一樣,你還是需要考慮保險問題。這本刊物對於各種型式的經濟“共榮”所可能產生的風險有詳盡說明,列舉了各營業平台通常提供參與者哪些保障,你的個人保險是否缺乏某方面的保障,以及有哪些保險選項可幫你獲得全面保障,最後文內還詳列有其它相關資訊。

The “sharing economy” can offer you new ways to earn, but, as with any business or self-employment venture, there are insurance issues to consider. This publication explains the potential risks associated with each type of “sharing,” what protection is typically available from the “platforms” that connect users, how your personal insurance may fall short, what your options are for full protection, and where to get more information.

September

27
Insuring Yourself in the ‘Sharing Economy’ (Spanish) Cover

Insuring Yourself in the ‘Sharing Economy’ (Spanish).

La “economía colaborativa” puede ofrecer nuevas formas de ganar dinero, pero, como con cualquier negocio o trabajo por cuenta propia, se deben tomar en cuenta algunas cuestiones relacionadas con el seguro. Esta publicación explica los riesgos potenciales asociados con cada tipo de actividad “colaborativa”, el tipo de protección que ofrecen las “plataformas” que conectan a los usuarios, cómo el seguro personal puede resultar insuficiente, cuáles son las opciones para obtener protección completa y dónde conseguir más información.

August

25
Insuring yourself in the ‘sharing economy’ (Vietnamese) Cover

Insuring yourself in the ‘sharing economy’ (Vietnamese).

Nền “kinh tế trao đổi” có thể giúp cho quý vị có nhiều cách kiếm tiền mới, nhưng cũng giống như bất kỳ các nghề buôn bán hay nghề tự do nào khác, nó có các vấn đề về bảo hiểm quý vị nên để ý tới. Ấn bản này giải thích các rủi ro tiềm ẩn liên hệ đến từng loại “trao đổi,” các bảo hiểm nào thường được cung cấp bởi “mặt bằng” liên đới tới người tiêu dùng, bảo hiểm cá nhân của quý vị có thể không đủ bảo vệ ra sao, các lựa chọn nào khác để bảo vệ quý vị hoàn toàn, và tìm thêm nguồn hướng dẫn và trợ giúp ở đâu. 

The “sharing economy” can offer you new ways to earn, but, as with any business or self-employment venture, there are insurance issues to consider. This publication explains the potential risks associated with each type of “sharing,” what protection is typically available from the “platforms” that connect users, how your personal insurance may fall short, what your options are for full protection, and where to get more information.

 

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