Last updated: October 13, 2026
Welcome to Covered or Excluded.
By accessing and using this website, you agree to comply with and be bound by the following Terms of Use. If you do not agree with these terms, please do not use the website.
Covered or Excluded is an informational website created for educational purposes only. We are not an insurance company, agent, broker or law firm.
Use of the Website
All content on Covered or Excluded is provided for general information and educational purposes.
You agree to use this website:
- for lawful purposes only
- in a way that does not violate applicable laws or regulations
- without attempting to disrupt, damage or interfere with the website’s operation
We reserve the right to restrict or terminate access to the website if these terms are violated.
No Insurance, Legal or Financial Advice
The content on Covered or Excluded is not professional advice.
Information provided on this website should not be considered:
- insurance advice from a licensed agent or broker
- legal advice from an attorney
- financial, tax or claims-handling advice
- a statement of what your own policy covers or will pay
Insurance coverage depends on your specific policy, your insurer, your state and the facts of each situation. Always read your own policy and consult your insurance company, a licensed insurance agent, your state’s department of insurance or an attorney before making decisions or filing a claim. Covered or Excluded is not responsible for decisions made based on the content provided.
Content Accuracy
We strive to keep the information on Covered or Excluded accurate and up to date. However:
- we make no guarantees regarding completeness or accuracy
- policies, laws and regulations differ by insurer and by state, and may change over time
- some content may become outdated
Use of the information is at your own risk.
Intellectual Property
All content on Covered or Excluded, including text, layout and original materials, is the property of Covered or Excluded unless otherwise stated.
You may:
- read and share content for personal, non-commercial use
You may not:
- copy, reproduce or redistribute content for commercial purposes without permission
- modify or republish content as your own
External Links
Covered or Excluded may contain links to third-party websites for reference or additional information.
We do not control and are not responsible for:
- the content of external websites
- their privacy practices
- any damages resulting from their use
Visiting external links is done at your own discretion.
Advertisements and Affiliate Links
This website may display advertisements provided by third-party advertising networks, including Google AdSense. Some links on the website may be affiliate links, which may earn us a commission at no extra cost to you.
We do not endorse advertised products or services, and we are not responsible for the content of advertisements shown on the website. The presence of an advertisement or link is not a recommendation of any insurer, policy or product.
Limitation of Liability
Covered or Excluded shall not be held liable for:
- any direct or indirect damages
- denied or reduced insurance claims, or losses arising from reliance on information on this website
- loss of data or profits
- issues arising from the use or inability to use the website
Use of the website is entirely at your own risk.
Changes to These Terms
We reserve the right to update or change these Terms of Use at any time.
Changes will be effective immediately upon posting on this page. Continued use of the website after changes constitutes acceptance of the updated terms.
Governing Law
These Terms of Use are governed by and interpreted in accordance with applicable laws, without regard to conflict of law principles.
Contact Information
If you have any questions about these Terms of Use, please contact us:
Email: Yakubasa86@ukr.net