Frasier discovers that his home insurance policy has been cancelled because Martin forgot to mail the payment several months earlier. After learning that it would cost a fortune to renew with that company, Frasier tries to get a better deal by making nice with Roz's insurance agent friend Ann, with whom Frasier had a disastrous date several months earlier. Unfortunately, Ann slips on some mayonaise in the kitchen and winds up breaking her leg. Frasier fears that she will sue, and tries to avoid this by inviting her to stay at the apartment while she recovers and treating her with kindness. He soon discovers that Ann's stay may be much longer than he expected. Meanwhile, Maris is released on bail and placed under house arrest. She involves an unwitting Niles in a scheme to flee the country and avoid prosecution.