Plot

Ann Hodges grudgingly agrees to assess Frasier's apartment for a home insurance quote; but when she falls and breaks her leg, Frasier is afraid she will sue.

Martin discovers an envelope in the pocket of one of his jackets, which contains a check for Frasier's home insurance renewal and should have been posted months previously. Realising this, Frasier makes a hasty call to the company, and is horrified at the amount he would have to pay now to renew. Roz advises him to consult Ann Hodges, whom Frasier remembers from their disastrous date (The Placeholder). He reluctantly agrees, and invites her round to survey his home, where she slips on a mayonnaise spillage in the kitchen and breaks her leg. Anxious to avoid a lawsuit when he has no insurance, Frasier decides to invite Ann to stay at his place for a few days while she recovers - a decision he soon regrets. Meanwhile, Maris has been released on bail, and is being kept under house arrest with an electronic tracking device on her wrist. Niles learns that she plans on auctioning some possessions to help pay legal costs. She offers him the chance to look over them first, so he seizes the opportunity to reclaim a "quasi-erotic" portrait of himself as Pan. Little does he realize that he is about to act as a decoy in her escape plan.

Ann Hodges grudgingly agrees to assess Frasier's apartment for a home insurance quote; when she falls and breaks her leg, he decides to take her in and buddy her up, afraid she will sue. Maris is released from jail but kept under house arrest; she draws Niles, Martin, and Daphne into an elaborate scheme to escape the country.—crouchbk