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Renters Insurance Loss of Use Coverage: What Pays for Hotels After...

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Sofia Hernandez spent three weeks at a hotel after the unit upstairs flooded hers. The $2,847 bill went to her renters insurance through loss of use coverage.

What Is Renters Insurance and Why Do You Need It?

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Renting a home or apartment offers flexibility, convenience, and fewer maintenance responsibilities. But it does not remove the financial risks that come with everyday...

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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 It rescinded the policy, referred him for fraud, and flagged his CLUE record.
A Sub Handed Over a Certificate of Insurance. The Policy Had Lapsed, and the GC's Own Workers' Comp Paid the Claim.

A Sub Handed Over a Certificate of Insurance. The Policy Had Lapsed, and the...

A framing sub handed over a clean certificate of insurance. Six months later the policy had lapsed, a worker fell, and the general contractor's own workers' comp paid the claim.
Concrete still-life illustrating the article topic.

A Truck Crash Left an Injured Driver With a $600,000 Judgment. Ray’s Insurer Paid...

A crash left an injured driver with a $600,000 judgment. Ray's insurer paid it because of one federal endorsement, then sent Ray the bill. Here is how the MCS-90 really works.
Concrete still-life illustrating the article topic.

Daniel Bought a $250,000 Policy at 30. A Diagnosis at 41 Would Have Blocked...

He almost skipped a $9 add-on at 30. Eleven years and one diagnosis later, it let him buy coverage that should have been off the table.