01
Selling cake from your kitchen? Three ways to cover what the business exclusion leaves out
A home baker, a porch step and a broken wrist: how the business exclusion in a homeowners policy gets read, and which of three fixes actually answers it.
Section
Finance
02
Appraised in 2016, Claimed in 2024. Why the Number on Your Schedule Stopped Being True
A ring insured on an eight-year-old appraisal produced a settlement nobody expected, and the reasons say a lot about who pays for valuation advice.
03
Worn Prongs, a Ring Two Sizes Too Small, and Who Actually Decides What Gets Fixed
A forensic look at what drives the price of jewelry repair and resizing, what laser welding changed, and which party in the transaction actually holds the decision.
04
Small Loss, Big Deductible? The Folder That Decides Whether You File at All
A $2,600 leak, a $1,000 deductible and one phone call that became a permanent record: how ordinary paperwork settles the file-or-absorb decision before renewal does.
05
Grills Gone From the Balconies? The Insurance Paragraph That Wrote the House Rules
Exclusion clauses rarely ban anything outright, yet they end up written into leases, waivers and posted notices by organizations that had less choice than they appear to.
06
Scheduled Your Ring in 2011 and Never Touched It Again? Why the Check Comes Up Short
A stolen ring, a spotless policy file, and a payout well below replacement cost. Working backwards from the check to the appraisal that quietly stopped describing the market.
07
Your Renewal Added Three Pages and a Form Number. What That Exclusion Is Doing There
An endorsement arrives with a renewal, changes what a hail claim pays, and can be traced back to a filing, a commission, and a form number you can look up.
08
Buying a Ring Worth More Than It Looks? Start by Asking Who Pays the Appraiser
The appraisal handed over at the register is a document with an author, and that author is usually paid by the seller. Here is how that arrangement formed and what to ask instead.