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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.

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.

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Her Lease Said "Name Us as Additional Insured." That Put the Landlord First in Line for Her $100,000.

Her Lease Said “Name Us as Additional Insured.” That Put the Landlord First in...

Priya's lease required naming the property company on her renters policy. One word in that clause decided whether her landlord got notified about her coverage or got to spend it.
His Doctor Billed 9% Over the Medicare Rate. His Share of the Bill Went Up 66%.

His Doctor Billed 9% Over the Medicare Rate. His Share of the Bill Went...

Warren's dermatologist did not accept assignment. On a procedure Medicare prices at $500, that one fact turned a $100 bill into $166.25, and only two Medigap plans would have covered the difference.
He Carried a $2.4 Million Blanket Limit. The Fire Claim Paid $660,000.

He Carried a $2.4 Million Blanket Limit. The Fire Claim Paid $660,000.

He bought a $2.4 million blanket limit across three buildings. When one burned, the insurer paid $660,000 on a $980,000 loss, and the blanket limit had nothing to do with it.
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Your Roof Has 214 Hail Dents and Your Policy Pays Nothing

An adjuster counted 214 hail dents on a Wichita homeowner's metal roof and paid nothing. The cosmetic damage endorsement is why, and most homeowners never read it.
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The Contract Clause That Can Void Your E&O Coverage Before a Claim Arrives

A Portland consultant guaranteed a 25% cost reduction in her own contract. When the client sued for $340,000, her errors and omissions carrier paid one count out of three.