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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.

An Upstairs Pipe Burst Over the Weekend. Her Landlord’s Insurance Paid...

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A pipe burst in the unit above hers over a weekend and soaked everything she owned. Her landlord's insurance covered the building, not a single thing of hers.

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Medicare

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Her Health Plan Left $2,300 in ER Bills After the Crash. A $10 Add-On...

A small, often overlooked auto coverage pays your crash-related medical bills no matter who was at fault, covers your passengers, and fills the gaps your health plan leaves.
A Guest Fell on Their Deck and Won $900,000. Their Homeowners Policy Stopped at $300,000.

A Guest Fell on Their Deck and Won $900,000. Their Homeowners Policy Stopped at...

When a liability judgment blows past your homeowners or auto limit, a personal umbrella policy covers the excess. Here is how it attaches, what it costs, and who really needs it.
A Warehouse Packer's Wrist Injury Cost $78,000 in Workers' Comp. No Single Accident Ever Happened.

A Warehouse Packer’s Wrist Injury Cost $78,000 in Workers’ Comp. No Single Accident Ever...

A repetitive-motion injury with no accident date can still drive a five-figure workers' comp claim and raise your premium for three years. Here is how it works.
He Broke His Hip in Portugal. Original Medicare Covered $0 of the $38,000 Bill.

He Broke His Hip in Portugal. Original Medicare Covered $0 of the $38,000 Bill.

A hospital stay overseas can cost tens of thousands, and Original Medicare usually pays none of it. Here is the gap and the two ways to close it before you travel.
A Flash Flood Ruined $19,000 of Her Things. Her Renters Policy Called It an Excluded Loss.

A Flash Flood Ruined $19,000 of Her Things. Her Renters Policy Called It an...

Your renters policy covers a burst pipe but not the creek that came through your door. Here is the one water source it always excludes, and the cheap policy that fixes it.