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T.J. HOLMES (ABC NEWS) (Off-camera) All right, we want to turn now to really a stunning look at racial bias that you have to see to believe, and this is in real estate. This is coming at a moment when the housing market is still strong during the pandemic and mortgage rates are low, but one family's home appraisal experience is revealing how different it can be for people of color. This is part of ABC's "Turning Point," an ongoing series exploring social and racial justice. Here now is our Diane Sawyer. [ABSTRACT FROM PUBLISHER]

GEORGE STEPHANOPOULOS (ABC NEWS) (Off-camera) Okay, Sam, thanks. That recent pipeline explosion near San Francisco and constant tropical storms on the East Coast, have many families turning to their homeowners insurance policies to get back on their feet. But what do those policies really cover? For the five things you need to know about your policy, we go to our financial guru, Mellody Hobson, the President of Ariel Investments in Chicago. And, Mellody, what is at the top of your list? [ABSTRACT FROM PUBLISHER]