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Renters Insurance Liability at $100K, $300K, and $500K: The Tier Decision...

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Most renters pick their liability limit by leaving the default. Here is the net-worth math, the dog-breed surcharge, and the landlord override that actually decide which tier is right.

Her Houston Duplex Burned and the Landlord’s Insurance Had Lapsed Eight...

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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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Medicare

Recent Posts

The “Medicare Covers Everything” Myth That’s Leaving Retirees With $6,000 Dental Bills

A 68-year-old retired teacher walked in for a cracked molar and walked out with a $4,280 bill Medicare refused to pay. Here is what Original Medicare actually excludes.
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She Insured $40,000 in Jewelry Inventory Under Her Renters Policy. A Break-In Proved She...

A renter who insured her jewelry side hustle for $40,000 found out after a break-in that her policy had never actually covered the business at all, just the apartment around it.
The Coinsurance Penalty: Why Your $200,000 Commercial Property Claim Got Cut to $147,000

The Coinsurance Penalty: Why Your $200,000 Commercial Property Claim Got Cut to $147,000

Wei filed a $200,000 fire claim on his restaurant building. The check came back for $147,000. The shortfall was the coinsurance penalty buried on page nine.
Odalys Fuentes Was Sued for $85,000 After a Guest's Fall. Her Renters Policy's Legal Bills Never Touched That Number.

Odalys Fuentes Was Sued for $85,000 After a Guest’s Fall. Her Renters Policy’s Legal...

A renters policy's attorney fees and court costs are paid on top of the liability limit, not out of it. Here's what that actually protects, and where it stops.
Medicare Has Excluded Routine Dental Care Since 1965. Walter Kowalski's Advantage Plan Covered $1,300 of His $2,143 Implant.

Medicare Has Excluded Routine Dental Care Since 1965. Walter Kowalski’s Advantage Plan Covered $1,300...

Original Medicare's dental exclusion goes back to 1965 and isn't a coverage decision that can be appealed. Here's what it actually excludes, what it doesn't, and what an Advantage dental benefit really buys.

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