insurance coverage Archives - Udell Family Insurance

Critical Facts to Know about Health Insurance and Smoking

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Sometimes, smokers may hesitate to get health insurance, discouraged by the many myths about coverage and tobacco consumption. The biggest worry for them is that they might be denied smokers insurance due to their unhealthy lifestyle habits. While smoking can increase your insurance premium, it isn’t necessarily an obstacle to obtaining health insurance.

How Smoking Affects Your Insurance Premium?

If you’re a smoker, you’ll pay a higher price for health insurance. However, the difference isn’t that significant compared to that of non-smoking policyholders. Your health condition can increase your […]

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 […]

Standard Homeowners Insurance and What It Covers

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Standard Homeowners Insurance and What It Covers

A standard homeowners insurance covers four primary areas that hold the most value and present the highest risk. This policy is used to secure your investment against most types of loss. If you experience a loss in one of these areas, you must file a claim to be adequately reimbursed. This prevents you from having to pay for any significant expenses out of your own pocket. With the right homeowners’ policy, you can rest easy that most of your expenses will be covered.

The following are the four most important areas covered by home insurance.

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How To Cover Home Sharing

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Getting Coverage For Renting Out Your House

If you are looking to make a little (or a lot of) honest money and your town or city is the site of an upcoming event like a college graduation, concert, or sporting event, you may be considering offering your home to other families via the home sharing market. As sites like AirBnB and HomeAway are becoming increasingly popular, your opportunities to easily list your home online and rent it out for a set price and certain amount of time are becoming greater and more lucrative.

Before putting your home up […]