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Your Renters Insurance Doesn’t Cover Your Roommate. This Is What That...

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Kelsey and her roommate split an $18/month renters insurance premium and assumed both were covered. When the roommate's guest slipped in the apartment, the insurer denied the roommate's liability claim. She paid $4,700 out of pocket.

The Evacuation Order Came at 4 A.M. Her Apartment Was Never...

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A gas scare next door forced her out for three weeks with zero damage to her own unit. Renters insurance only covered the first two, and the policy explains why.

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The Evacuation Order Came at 4 A.M. Her Apartment Was Never Touched.

The Evacuation Order Came at 4 A.M. Her Apartment Was Never Touched.

A gas scare next door forced her out for three weeks with zero damage to her own unit. Renters insurance only covered the first two, and the policy explains why.
He Paid His Medicare Deductible in February. In November, the Hospital Billed Him for It Again.

He Paid His Medicare Deductible in February. In November, the Hospital Billed Him for...

Medicare's hospital deductible does not reset once a year like most private insurance. It resets every benefit period, and that can happen more than once a year.
The Street Outside Her Restaurant Was Closed for Six Weeks. Her Policy Paid Nothing.

The Street Outside Her Restaurant Was Closed for Six Weeks. Her Policy Paid Nothing.

A construction closure outside her restaurant cut sales 60% for six weeks. Her business income coverage still paid nothing, and the policy language explains exactly why.
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Sergio Arce Bought a $25,000 Policy and Died 13 Days Later. Texas Still Made...

Most states only require an insurer to show a misstatement was material to rescind a life policy within the two-year window. A 2023 Texas Supreme Court case shows one state where materiality alone has never been enough.
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Her Standard Insurer Non-Renewed After 14 Years. The Replacement Policy Has No Liability Coverage...

A FAIR Plan policy is not a homeowners policy with a different name. It pays for a narrower list of perils, sold by a different kind of insurer, and the liability protection most homeowners assume is there has to be bought separately.