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

That night, he called his mom. She listened to the whole sorry tale—the glove, the ex, the window—and then said the words he dreaded: “Didn’t you get the renters insurance I told you about?”

“Five hundred dollars.”