When Frasier discovers that Martin never mailed in the insurance renewal for his apartment, he is in a panic to get new insurance. Roz suggests that Frasier make amends with Ann (from episode 11x05 - The Placeholder
) by buying the insurance from her. Ann reluctantly agrees to assess Frasier's apartment but while there, slips in Frasier's kitchen and breaks her leg. Worried that Ann will sue him, Frasier suggests that she stay with him until she gets used to her crutches. However, Ann is convinced that Frasier is in love with her, and refuses to leave.
Meanwhile, Niles and Daphne try to retrieve an embarrassing painting from Maris's house.