Michael Hooker

Common rookie moves included skipping renters insurance altogether and buying a policy without fully understanding it, leaving tenants exposed when losses happen.
Many renters assume a landlord's insurance protects them after fire, theft, or another disaster, but that coverage generally protects the building, not belongings.
Renters insurance can cover personal property, liability, and temporary living expenses after a covered loss, making it important protection for tenants to understand.
Prior nationwide estimates suggested only half of renter households carried insurance, highlighting a broad education gap around coverage and why it matters.
The coverage was described as relatively inexpensive, and clearer explanations from agents and insurers could help renters understand what their policies do and don't cover.

US Renters Can Avoid Insurance Mistakes

Updated COVID-19 vaccines received federal approval recently and were expected across the US in Early-Fall, as specialists warned the virus was still circulating.
Health plans were expected to cover updated shots this season, and the insurance trade group said members planned 2026-27 coverage, consistent with prior commitments.
Uninsured adults may find free COVID-19 vaccines through state or local health departments, while eligible children can receive no-cost shots through a child vaccine program.
All updated vaccines were approved for adults 65+, with broader use tied to age and underlying conditions that raise severe COVID-19 risk.
Specialists said staying current on COVID-19, flu, and RSV shots in Early-Fall remained an important defense against preventable hospitalizations, critical illness, and death.