An Upstairs Pipe Burst Over the Weekend. Her Landlord’s Insurance Paid Nothing for Her...
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.
Her Apartment Was Burglarized for $4,300. Her Parents’ Policy Covered the Dorm, Not This.
A burglary at an off-campus apartment exposed a coverage gap most parents never see coming. Here is when a homeowners policy stops protecting a student.
Renters Insurance Quietly Caps What It Pays for Stolen Jewelry, Often at $1,500
Your renters policy quietly caps how much it pays for stolen jewelry, often at $1,500 no matter how much coverage you bought. A scheduling endorsement is the cheap fix almost no one knows to ask for.
Renters Insurance Liability at $100K, $300K, and $500K: The Tier Decision Most Renters Get...
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.
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.
Her Houston Duplex Burned and the Landlord’s Insurance Had Lapsed Eight Months Earlier. Her...
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.
Anjali Sharma’s German Shepherd Nipped a Delivery Driver. Her Renters Policy’s Breed Exclusion Left...
Anjali Sharma's German shepherd nipped a delivery driver in her apartment hallway. The $18,400 medical bill and lawsuit were denied under her renters policy's breed exclusion. She owes the difference personally.
Sofia Hernandez Spent Three Weeks in a Hotel After Her Upstairs Neighbor’s Flood. Her...
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.
Jordan Expected Her Renters Policy to Replace Her Stolen Laptop. The Check Was for...
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.
Most Renters Have No Coverage. The Ones Who Do Are Focused on the Wrong...
A Chicago renter paid $22,000 out of pocket after a guest slipped and fell at her apartment. Her renters insurance would have cost $14 a month. The part most renters miss isn't the laptop coverage. It's the liability.
