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For people over 65, who usually have the biggest medical expenses, coverage would be provided by Medicare.
Gallagher was a senior member of the team that oversaw the Telegraph's MPs' expenses coverage, which dominated the news agenda with a string of exclusives in the summer of 2009 and earned the paper a hatful of prizes at the British Press Awards including paper of the year.
Gallagher, who worked on the MPs' expenses coverage, and ran the paper during Lewis's Harvard sojourn, becomes the ninth editor at the group in six years – but with no change of editor in the past two years, it seems the ship is steadying.
When reviewing your homeowners policy, Macknin says to make sure it includes Loss of Use coverage (also known as Additional Living Expenses coverage), which will be indispensible if you have to relocate for any period of time while your house is being rebuilt or repaired.
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For co-ops and condo, Mr. Mackoul said, the additional living expense coverage is typically 40percentt of the contents coverage.
Regular medical expense coverage is generally aimed at covering part of the costs of medicines and doctor calls.
Thus, if a renter has $25,000 in personal property coverage, he will probably have only $5,000 in additional living expense coverage.
Since renter's policies do not have dwelling protection, however, the additional living expense coverage will typically be 20percentt of the personal property coverage.
In most cases, Mr. Mackoul said, carriers will provide additional living expense coverage up to the amount of the contents coverage.
"We don't put a specific limit on our additional living expense coverage," said Mary Ann Avnet, vice president of marketing and customer relations for the Chubb Group of Insurance Companies in Warren, N.J.
As a result, he said, it is probably wise for apartment residents to purchase increased additional living expense coverage if their carriers will allow it.
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