“Policies, Protection & Property Perils” is now streaming — and it’s one of those episodes where insurance finally gets interesting. (Yes… we said it.)From landlord and renters insurance, to “loss of use” coverage, malicious damage, and why flood insurance might not have your back after a heavy rain — we’re breaking it all down, uncensored and unfiltered. Phil watched floodwaters rise this past weekend and wondered if he should call his insurance agent or build a raft — while Sam called it the worst storm of the summer. They both shared real-life insurance claims (including a 3-month hotel stay with two dogs and two cats...) and the painful process of getting coverage to actually do its job. Plus: What happens when a landlord has the wrong type of policy, what “vacancy exclusions” are, and why some owners get caught off guard during hurricane season.And yes — the episode somehow ends with conspiracy theories, fashion fails, and a confession about pleather shirts.

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