by Rich Arzaga, CFP®, CCIM , The Real Estate Whisperer ®  Financial Planning (A response to Venessa Wong’s MarketWatch article, “ People pay a lot for insurance. Sometimes it’s not enough to protect them from disaster.  ”) I’ve been following #venessawong’s MarketWatch series on the rising costs and declining reliability of personal insurance with both great interest—and growing professional frustration. The latest installment (linked above) captures what so many families are