“Not so fast,” Denise said, typing. “You have ‘Loss of Use’ coverage. Since that window is letting in cold air, your apartment is technically uninhabitable until it’s fixed. We can put you up in a hotel for a few nights. Also, your liability section has a $100,000 limit. If the landlord sues you for the cost of the window, we defend you and pay the judgement. But you’d still have to pay your deductible.”
He filed a claim: “Accidental damage – broken window.” renters insurance broken window
He could hear her sigh travel through the phone. “Check your lease. Most buildings require it. But you have to actually file a claim .” “Not so fast,” Denise said, typing
Leo’s hope deflated. “That’s the building’s property.” We can put you up in a hotel for a few nights
Defeated, Leo opened his laptop. He’d bought a policy months ago from a cheerful app called CoverHive . He’d clicked through the screens, entered his credit card, and then promptly forgotten about it. He logged in, heart hammering. The policy was active. His premium was $18.67 a month. He’d paid it religiously via auto-pay, never noticing the tiny, recurring charge.