Meet Lucy. Lucy is 24 years old and has just graduated from university. She started her first job and rented her first apartment. As Lucy is scrolling through various online stores in an endeavor to furnish her new abode, she stumbles upon a killer clearance sale. After a few hours of retail therapy, Lucy bought an air fryer, coffee machine, and a robot vacuum. 

After a night out with a few friends, Lucy takes an Uber home. On her way home in the Uber, she tries to activate her robot vacuum using her mobile app. An error message pops up on her phone. When Lucy arrives home, she finds her apartment flooded and her robot vacuum floating upside down. If only Lucy was insured.