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Renters Insurance Pet Liability: Why Dog Breed Exclusions Can Leave You...

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Anjali Sharma's German shepherd nipped a delivery driver in her apartment hallway. The $18,400 medical bill and lawsuit were denied under her renters policy's breed exclusion. She owes the difference personally.

44% of Renters Have No Insurance. Here’s What the Uninsured Ones...

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Only 56% of renters carry insurance. The 44% who skip it lost $12.8 billion in personal property last year, and the liability claims that follow can garnish wages for over a decade.

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DoorDash's $1M Policy Starts When You Accept the Order. The 47 Minutes Before That Are on You.

DoorDash’s $1M Policy Starts When You Accept the Order. The 47 Minutes Before That...

The promotional language gig apps use makes it sound like every minute on the road is covered. The fine print is different, and the gap can cost a five-figure repair bill the first time it lands on you.
A Type 2 Diabetes Diagnosis Can Push Life Insurance Premiums Up 25% Per Table Rating

A Type 2 Diabetes Diagnosis Can Push Life Insurance Premiums Up 25% Per Table...

The same Type 2 diabetic applicant can get three life insurance quotes that vary by more than a thousand dollars a year. The reason is rarely the price; it is which carrier's diabetic underwriting rules he happened to match.
Your Cyber Policy May Not Cover the Ransom Even When It Covers the Breach

Your Cyber Policy May Not Cover the Ransom Even When It Covers the Breach

You bought a $1 million cyber liability policy after the headlines. The fine print on ransom payments is where most small businesses learn their coverage isn't what they thought.
Matching Siding Laws: Why Your Insurer May Replace Just the Damaged Wall

Matching Siding Laws: Why Your Insurer May Replace Just the Damaged Wall

A wind storm tore vinyl siding off the south wall of a couple's Indianapolis home. The insurer authorized one wall. Their color had been discontinued. Indiana's matching law turned a $4,800 partial repair into a $19,200 full replacement.
Garaging Address Fraud: How Moving Without Telling Your Auto Insurer Voids Your Claim

Garaging Address Fraud: How Moving Without Telling Your Auto Insurer Voids Your Claim

A Boston software engineer moved from a suburb to downtown but kept the cheaper suburban address on his auto policy. After a parking lot accident, his insurer denied the $32,000 claim for material misrepresentation and refunded all of two years of premiums.