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.

He texted his ex a single word: “Boat?”

He filed a claim: “Accidental damage – broken window.”

“Okay,” Denise said. “Standard policy. Your personal property is covered for things like theft or fire. But the window itself ?”

“What’s my deductible?”