When you bought your home insurance policy, did you take the time to read through all the fine print? More importantly (especially with winter right around the corner), did you take the time to read through their policies on uninvited guests?

Nobody wants to sleep outside in the winter timeWe give hundreds of thousands of dollars to shelters to help keep our nation's homeless from having to do just thatWe sympathize completely with their plight, and encourage them to find any soft, warm, welcoming place they can to spend the night out of the elementsYet it continues to amaze us when the local rodent population does just that!