February 2022 - Udell Family Insurance

Are Thefts Covered by Standard Renters Insurance Policy?

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Are Thefts Covered by a Standard Renters Insurance Policy

As a renter, you should consider buying renters insurance, especially if you own expensive possessions. This way, you can protect the value of your belongings and also be covered if you cause damage or injury to a neighbor or visitor at your rental complex.

What is renters insurance?

Renters insurance is divided into three coverage types: personal property, liability, and loss of use.

Personal property covers your possessions if they are lost, stolen, or damaged due to a covered peril.
Liability covers legal costs if someone accuses you of causing harm or damage.
Loss of use covers storage […]

Homeowners Insurance Exclusions: What Is Not Covered

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Homeowners Insurance Exclusions: What Is Not Covered

A standard homeowners policy is designed to cover damage caused to your home and its belongings due to a covered peril, such as theft, storm, fire, etc. Although this policy will provide much of the coverage you need, it is far from complete, especially when you live in a high-risk zone.

Earthquake, Hurricane, and Flood Coverage

Earthquakes, hurricanes, and floods are specific types of perils that only occur in certain areas. Because of the limited areas where they may strike, most standard homeowners policies don’t cover them. Instead, you need to apply for endorsements or an […]

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