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Renters Insurance and Airbnb Subletting: One Paid Guest Voids the Policy.

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A Brooklyn renter ran 19 short-term bookings before a guest left a candle burning. Her renters insurer denied the entire claim citing the business-use exclusion.

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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Split Limits vs Combined Single Limit: What 25/50/25 Really Costs You in a Bad Crash

Split Limits vs Combined Single Limit: What 25/50/25 Really Costs You in a Bad...

The three numbers on your auto policy decide how much your insurer pays and how much comes out of your own pocket. Here is how split limits really work in a serious crash.
Before You Let a Whole Life Policy Lapse, Know Your Three Nonforfeiture Options

Before You Let a Whole Life Policy Lapse, Know Your Three Nonforfeiture Options

Letting a whole life policy lapse can throw away decades of built-up cash value. Three nonforfeiture options exist to keep something for the premiums you already paid.
Why a Dead Walk-In Cooler Is a $18,000 Coverage Gap Most Restaurants Never See Coming

Why a Dead Walk-In Cooler Is a $18,000 Coverage Gap Most Restaurants Never See...

A dead walk-in cooler can wipe out thousands in inventory in a single night, and most restaurant owners assume their business policy has them covered. It usually does not.
Your Homeowners Policy Excludes Earthquakes. The Standalone Policy Has a Deductible That Surprises Almost Everyone.

Your Homeowners Policy Excludes Earthquakes. The Standalone Policy Has a Deductible That Surprises Almost...

The Reyes family bought earthquake coverage, so they expected a check after the quake. Then they learned their 15 percent deductible meant the first $60,000 came out of pocket.
He Staged the Crash for the Payout. The Dashcam Caught Him, and His Insurer Came for the Whole Policy, Not Just the Claim.

He Staged the Crash for the Payout. The Dashcam Caught Him, and His Insurer...

His dashcam caught the brake-check that staged the crash. The insurer did not just deny the claim. It rescinded the policy, referred him for fraud, and flagged his CLUE record.