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The Real Risk Talk

Real Stories

October 19, 2021May 11, 2025

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Specialty Insurance

They Thought It Was Just a Fender Bender — Until a $150,000 Injury Claim Put Everything at Risk

One small mistake at a red light led to a $150,000 injury claim. Learn how a lack of coverage nearly cost one driver everything—and how to avoid the same risk.
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They Thought Their Auto Limits Were Enough — Until Their Teen Hit a Tesla

One teen’s mistake led to a $190,000 insurance claim. Learn how low liability limits cost this family thousands, and what you can do to protect your own.
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City Sewer Overflow

When the City’s Sewer Fails, Who Pays? The Hidden Risk in Your Basement

A city sewer backup can flood your home, but don’t assume insurance will cover it. Learn the hidden risks and how to protect your basement.
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The Hidden Water Risk Lurking in Your Kitchen: Are You Covered for This Common Disaster?

A couple returned from vacation to find their home wrecked by an ice maker leak. Learn how to protect your home from common water damage disasters.
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A close-up view showing the aftermath of a rear-end car collision in an outdoor setting.

From Fender Bender to Courtroom: Why Minimum Coverage Isn’t Enough

The Day Everything Changed It was just another busy afternoon on the road. The sun was low, traffic was heavy, and a quick glance at a phone was all it…

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check engine warning light glowing on car dashboard

Your Car’s “Check Engine” Light Just Came On. Is It Covered?

That dreaded check engine light just appeared on your dashboard. Will your car insurance help with repairs? Learn what’s covered before you’re stuck with an unexpected bill.
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homeowner reviewing homeowners insurance policy with insurance agent

“But I Thought I Was Covered” – 5 Home Insurance Surprises

If you’ve ever skimmed your home insurance policy (or let’s be honest, shoved it in a drawer), you’re not alone. Most of us just assume we’re covered for whatever life…
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