Does Your Home Insurance Include Additional Living Expenses?

You may need additional living expenses coverage in your home insurance policy.

If a natural disaster were to destroy your home structure, you may be forced to move out of your home until it’s repaired. When you cannot live in your home because of a loss covered by your home insurance policy, such as a hurricane or tornado, your insurer is able to reimburse you for certain expenses that you occur while you’re living away from home. This is called additional living expenses coverage.

What does this coverage include?
The additional living expenses coverage in your home insurance is designed to cover the costs associated with loss of use of your home, including those of a hotel room, restaurant meals, and transportation.

How am I reimbursed?
You must file a claim with your home insurance company as soon as possible. Generally, this coverage will pay for the gap between pre- and post- disaster housing and food. For example, if you usually spend $500 a month for food, but you now spend $750 because you have lost use of your kitchen and must eat out, your insurer will may pay for the $250 difference.

What is not included?
Items that are not considered additional living expenses are belongings such as toiletries, clothing, temporary repairs to your home, entertainment expenses (unfortunately, going to the movies because you’ve lost use of your TV doesn’t count!), and your normal mortgage bills.

Can I obtain coverage if my home was damaged by a flood?
The damages caused by floods are not covered at all in home insurance policies, and most separate flood insurance policies do not provide additional living expenses coverage. Talk to a trusted insurance agent for advice on obtaining coverage.

So that your additional living expenses are covered by your California home insurance in the event of a disaster, contact Stromsoe Insurance Agency.

Halloween Horrors Covered by Your Homeowners Insurance

Your homeowners insurance will protect you from Halloween home mishaps.

Halloween is one of the best nights of the year for children! Unfortunately, this playful, mischievous manner could turn into mayhem when a trick-or-treater trips or your jack-o’-lantern is knocked over.

Fortunately, you can cackle your way through this night as most homeowners insurance policies cover these nightmare situations!

  • Tricksters damage your home: Standard homeowners policies cover vandalism when repair costs exceed your deductible.
  • Candles cause a fire: Fires caused by a jack-o’-lantern candle or a string of ghost lights will be covered. If you are unable to live in your home because of damages, your homeowners insurance will also pay for your additional living expenses.
  • Trick-or-treating trauma: Injuries caused to children or their parents are covered by the homeowner liability portion of your policy.
  • Car crash: If you crash your car by to avoid hitting a trick-or-treater (it happens more than you think!), the accident would be covered by the collision portion of your auto insurance. If anyone is hurt, your liability protection will take care of that.

Luckily, with proper insurance, you will have coverage throughout all Halloween misfortunes! That being said, you can reduce the likelihood of an accident by ensuring all paths to the house are clear, double-checking that there is sufficient lighting, and not lighting any open flames.

Visit Stromsoe Insurance Agency to put the necessary insurance in California in place before Halloween night. We promise no tricks in our insurance policies!

Combat Your Sleep Disorders Tonight

You can sleep your way to better health and reap all of these benefits!

If you’re shorting yourself on sleep, you are not alone. The average American gets 6.8 hours of sleep every night, which is a full 60 minutes less than in the 1940s. These days, the pace of life has picked up to a detrimental effect on our health. Lack of sleep can put your physical and mental health at risk!

Sleep deprivation is considered consistently sleeping fewer than seven hours a night. The short-term effects include emotional instability and trouble concentrating. When people feel tired, they usually turn to caffeine or excess food to supplement their energy. This leads to an unhealthy reliance on coffee and sugary foods which can cause weight gain and eventually lead to stroke or heart disease.

If you aren’t getting enough sleep, follow these simple steps:

  • Re-evaluate your lifestyle. If you need to be at work at 6am, but hit the hay at 11pm, the chances of you getting a decent night’s sleep are slim.
  • Turn off the TV, phone, tablet, and computer at least an hour before you intend to go to sleep.
  • Relax by quieting your environment.
  • Try to get into a sleep routine, even on the weekend.

If you suffer from sleep apnea, you may have a higher health risk. Sleep apnea is when oxygen levels fluctuate widely during sleep, producing oxidative stress which generates free radicles, destroying your blood vessel linings. There’s good news, though! If you have a good health insurance plan, the cost of tests and treatments will be covered.

If you suffer from insomnia, your health insurance plan should cover the cost of medication. Do you have the correct health insurance plan for your needs? Contact Stromsoe Insurance Agency for a tailored policy to suit you in California.

Smokers’ Habits Raise Their Life Insurance Rates

If you’re a smoker, your California life insurance policy will be different.

When you apply for a life insurance policy, you will be asked a handful of questions about your medical history. A question that will most likely crop up is if you use or if you have previously used tobacco or nicotine products, along with if you have stopped and why. The answers to these questions will determine your policy and rate. If you’re looking for a reason to quit smoking, it could be the high life insurance premiums!

Testing, Testing

If you have recently quit smoking and have been free of tobacco for at least three to five years, companies will typically charge you the same rate for life insurance as a non-smoker. If you buy a higher amount of coverage, typically around $100,000 or above, the company will collect a saliva or urine sample to test for cotinine. Once nicotine is absorbed into the body, it’s converted into cotinine. If you are currently using a nicotine patch or gum recently, you will test positive which will affect your test results.

Time Matters

The mortality rate for smokers is much higher than for non-smokers, but there are ways to combat the high life insurance rates that come with that high mortality rate. For example, if you have smoked for five years but have been tobacco-free for ten, the risk is lower than if you have smoked for fifty years but have tobacco-free for five. In the latter situation, the exposure has been too great to counteract the length of time since you quit smoking. Insurance is all about risk, and smoking is proven to cause many types of cancer. As a result, recent or long-time smokers who are more likely to suffer with health issues and have a higher risk of death will pay more for coverage.

Fine Details

E-cigarettes, patches, gum, and hookah are all alternative nicotine delivery systems. Insurance companies ask about your nicotine use as all of these practices fall under the umbrella of bringing nicotine into your body. As a precaution, it is best not to skew the truth as the insurance company will find out your smoking habits.

After your life insurance policy is issued, you should be open and honest with your insurer should your plans or lifestyle change. As a smoker, it is possible to acquire a reasonable, adequately covered life insurance policy. Contact Stromsoe Insurance Agency for your insurance needs in California.