damages Archives - Udell Family Insurance

Is Your Insurance Ready For El Nino?

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El Nino & Flood Insurance Westlake Village, CA

Choosing the right flood insurance can help you stay protected through El Nino.

Are you ready for El Nino? With only a few more weeks until the monster storm is supposed to bring heavy rains to Southern California, there is no better time than right now to make sure you have the right amount of coverage.

If you are relying on your existing home insurance policy to protect you from any unfortunate incident that you may run into during El Nino, you may not have as much coverage as you think. Your homeowners insurance policy will […]

Property Insurance Essentials: Protecting Your Valuables

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Property Insurance Westlake Village CA

How you can use your Westlake Village, CA property insurance to secure your valuables.

It’s great that your homeowners insurance covers your personal property like your clothes, your books, and your kitchen items. Ultimately, though, you probably have some items you value much more than anything else in your home. Are these valuables protected?

It’s not safe to just assume the answer is yes. All homeowners insurance policies have limits built in, meaning that generally the policy will reimburse you for personal property losses and damages up to 50 percent of your home’s […]

Should You Get Flood & Earthquake Insurance?

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Flood & Earthquake Insurance Westlake Village CA

Understanding your family’s need for Westlake Village, CA flood & earthquake insurance.

You may have read the title of this blog post and thought, “No problem, I already have flood and earthquake insurance!” Think again, though. All too many people assume their California homeowners insurance policy covers them against these risks. Actually, though, it doesn’t.

To determine if you should carry earthquake and flood insurance policies, ask yourself these questions.

Is my area at risk? In California, you’re living in a high-risk earthquake area, so you should think seriously about getting this […]

Are You Underinsured?

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Car Insurance Westlake Village CA

Understanding How Much Coverage Is Enough

When you first take out your car insurance policy, you may be tempted to base your coverage limits off the amounts legally required by the state of California, assuming that those levels have been set high enough to provide sufficient coverage. Unfortunately, that is often not the case and can leave you underinsured.

You are underinsured when the coverage from your car insurance policy is not high enough to fully pay for damages incurred in an accident. When you cause an accident that exceeds your limits, you are left paying out of […]