How a 40-Year-Old House and a Distracted Tenant Turned a Nighttime Stove Spark into a $160,000 Claim

https://thehometrotters.com/home-insurance-is-the-conversation-most-homeowners-tune-out-until-it-is-too-late/

Picture a Tuesday night. A tenant dozes off in a small rental unit above a homeowner's garage. The stove lights, a pan smolders, someone awakens just in time to put the flame out. No visible flames reach the ceiling, no collapse, no dramatic footage