Toilet overflow? Massive water damage? A hassle. But at least you're insured, right?
Well, sure, you're insured for the direct water damage. But let's say that the water causes some mold. Which, of course, it's definitely going to do.
In that event: Tough. You're not covered. At least if your insurance policy's with Farmers. As well as, at this point, with pretty much every other insurer as well.
So much for resting easy at night, or on vacation, huh?