October 2019 - Udell Family Insurance

What Does My Homeowners Insurance Cover?

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Understanding how your homeowners insurance will cover you.

As a homeowner, it’s important you understand exactly what your homeowners insurance will cover.  This way, you can evaluate whether you have enough coverage or if you need to secure more. To help you make informed coverage decisions, here’s what your home insurance will and will not cover when it comes to common perils.

Water Damage

When it comes to water damage, homeowners insurance covers certain types but not others. For instance, if the cause of water damage is sudden and accidental, then it […]

What You Should Look for in a Life Insurance Policy

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Important things your life insurance policy should have.

If you think it’s time to secure life insurance, then you may not know where to begin your search. Here are some of the essential things that you need to consider when looking for the right life insurance policy.

Affordability

Before purchasing a life insurance policy, you need to evaluate your current finances and determine how much you can afford to spend on life insurance. If you are on a tight budget, then a term life policy is probably your best bet. If you have […]

How Your Lifestyle Affects Your Life Insurance

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Understanding life insurance classifications.

When you apply for life insurance, your provider will weigh your personal factors and assign you a rate classification. These classifications are an indicator of your risk level, and will determine how much you pay for your coverage. Naturally, people want to know what they can do to enter a lower rate classification.

Here are some of the things that you should consider.

Smoking

Smoking is one of the worst habits that a person can have. Regardless if you are an occasional smoker or a pack-a-day kind of […]

Dealing with Contentious Drivers After an Accident

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angry driver

How to deal with a driver who refuses to exchange information after an accident.

While getting into a car accident is bad, getting into an accident with an uncooperative and aggressive driver is even worse.  If you ever find yourself in this situation, there are certain steps that you must take.  Here’s how you can deal with drivers who refuse to share their information after a crash.

Immediately after the accident, you should take a moment to calm down and assess yourself for injuries.  If you have passengers in your car, then you should also […]