College Students and Parents’ Policies
Whether a parent’s homeowners policy covers a student at school, and the three situations where it stops.
Your First Apartment, and What to Do About Roommates
What to get, what it costs, and why one policy across three roommates is usually the wrong answer.
Water Damage and Flood: What Is Covered and What Is Not
Where the water came from decides whether you are covered, and flood coverage for renters exists and few people know it.
Additional Living Expense, Explained
The coverage that keeps you off a friend’s couch after a fire, and the reason Asheville renters learned it the hard way.
Personal Property, Sublimits, and Scheduling Valuables
How to size your limit, and the categories that have their own smaller limit hiding inside the policy.
How Much Does Renters Insurance Cost?
What moves the price, what you control, and why the cheapest policy is frequently the wrong one.
How Much Liability Coverage Do You Need?
One of the least expensive parts of the policy, and the one that reaches furthest. Here is how to set it.
Replacement Cost vs Actual Cash Value on Your Stuff
One setting decides whether you get a new television or a check for a six-year-old one. Here is the difference.
Your Landlord’s Policy Does Not Cover You
One of the most common misunderstandings in renting, and the two ways it costs tenants money.
What Does Renters Insurance Actually Cover?
Four things, and the one people overlook is the one that protects them most.