Question: I have been a tenant in a 30-unit apartment building for more than seven years. A few months back, I went to use my key in the front door of the lobby entrance to the building and the key got stuck in the lobby door. It could not be withdrawn, no matter how I wiggled it or how hard I tried. I was able to ring a friend and get in but I was concerned as no one else would now be able to enter the building with my key still stuck in the door. I could have propped the door open, but people will normally close the door due to security concerns.  more...

Q: My roommates and I are buying a lot of things for our house, and we're splitting the costs. We want to get renters' insurance, but don't want to buy individual policies. Do you think we can purchase just one policy -- and will it cover our individual property, too? --Marie R.

A: You're wise to be thinking of one policy. You'll be dealing with just one premium and one deductible. Here's how a joint policy will work:  more...