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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.

Actual Cash Value vs. Replacement Cost in Renters Insurance

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Jordan filed a renters insurance claim after a break-in. She expected to replace her laptop. Her insurer sent a check for $487. Here is why - and what to do before it happens to you.

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Your Homeowners Policy Stops Covering an Empty House After 30 Days.

Your Homeowners Policy Stops Covering an Empty House After 30 Days.

A daughter settling her late father's estate left his house empty for four months. A burst pipe caused $42,000 in damage, and the vacancy clause voided the entire claim.
Your Collision Payout Buys Aftermarket Parts. The OEM Difference Is on You.

Your Collision Payout Buys Aftermarket Parts. The OEM Difference Is on You.

A Phoenix driver in a two-year-old SUV expected factory parts after a crash. Her insurer's estimate specified aftermarket panels, and the OEM gap came to $1,900 out of pocket.
Your E&O Policy Pays Defense Costs From Inside the Limit. The Settlement Gets What Is Left.

Your E&O Policy Pays Defense Costs From Inside the Limit. The Settlement Gets What...

A six-person Atlanta agency carried a $1 million E&O policy and assumed it had $1 million to settle a client lawsuit. The defense lawyers spent $380,000 of it first.
Renters Insurance and Airbnb Subletting: One Paid Guest Voids the Policy.

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

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.
Medigap Medical Underwriting: The Six-Month Window That Changes Whether You Can Switch.

Medigap Medical Underwriting: The Six-Month Window That Changes Whether You Can Switch.

A 71-year-old in San Antonio tried to switch from Medicare Advantage to a Medigap policy after her doctor left the network. Two carriers declined; a third quoted a 50 percent rate-up.