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Renters Insurance

When Your Landlord Has No Insurance and the Building Burns, What...

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A Houston single mom lost $47,000 in belongings when her duplex burned. Her landlord had let the building's insurance lapse eight months earlier. Her $14-a-month renters policy turned out to do more than she expected.

How Much Does Renters Insurance Cost?

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Renters insurance is often seen as optional, but its value becomes clear the moment something goes wrong. Whether it’s a burst pipe, a break-in,...

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A private pilot's $1 million life insurance can pay zero at death if an aviation exclusion rider was added during underwriting

A private pilot’s $1 million life insurance can pay zero at death if an...

Private pilots assume their life insurance covers every cause of death. An aviation exclusion rider added at underwriting voids the death benefit on any flight-related loss.
A foundation crack repair can cost $32,000 and your homeowners policy probably will not pay a dime of it

A foundation crack repair can cost $32,000 and your homeowners policy probably will not...

Homeowners discover the earth movement exclusion the day a structural engineer hands them a slab-pier estimate. The wall is cracked, the policy is open, and the check is denied.
Your EPLI policy may not cover the wage and hour lawsuit most likely to hit your small business

Your EPLI policy may not cover the wage and hour lawsuit most likely to...

Most small-business owners buy EPLI thinking it covers the most common employee lawsuit. The wage and hour exclusion buried in the form carves out exactly that.
Your personal auto policy probably excludes your e-bike - and your homeowners may not pick up the gap

Your personal auto policy probably excludes your e-bike – and your homeowners may not...

A standard personal auto policy excludes e-bikes from its definition of a covered auto, and most homeowners policies exclude them under the motorized vehicle clause. The same claim gets declined twice.
A lapsed life insurance policy is rarely dead at day 31 - but the window to reinstate closes faster than most people think

A lapsed life insurance policy is rarely dead at day 31 – but the...

A missed life insurance premium does not end the policy on day one. Most carriers protect a 31-day grace period plus a reinstatement window of 60 to 180 days, with the rules tightening as time passes.