Her Lease Said “Name Us as Additional Insured.” That Put the Landlord First in...
Priya's lease required naming the property company on her renters policy. One word in that clause decided whether her landlord got notified about her coverage or got to spend it.
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.
Movers Cracked Dana’s $1,900 TV. Her Renters Policy Paid Nothing, and the Mover Owed...
Movers cracked Dana's $1,900 TV. Her renters policy paid nothing, and the moving company owed her $18. Here is the coverage gap almost no renter sees coming.
A storm flooded her ground-floor apartment and ruined $9,000 of belongings. Her renters policy...
A standard renters policy covers your belongings only against a specific list of named perils. Losses from any cause not on that list, like flood, are denied.
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.
