1. I spilled tea on my laptop keyboard.
  2. Then I signed up for renter's insurance and opted for an electronics rider.
  3. Waited a few weeks and took the ruined laptop to the Apple Store.
  4. Filed a claim and got the flat rate liquid damage pre-tax bill paid for.
  5. And that's my insurance fraud story! Zzzzzzzzzzzzzzzzzzzzzzzzzzzzzzz