Flanigan Insurance Agency Inc Blog: coverage
View the latest blog posts from Flanigan Insurance Agency Inc.
Monday, August 20, 2018First and foremost, consider increasing auto liability limits and perhaps obtaining a $1,000,000 umbrella policy. If an a person causes a serious auto accident, these days a person will be sued. READ MORE >>
Monday, June 26, 2017Recently was asked, my child will be off to college in fall do I need a Renters policy or will my homeowner provide the protection. As long as child is a full time student, away at college, they would have 10% of the homeowner policy of parents policy. READ MORE >>
Wednesday, November 11, 2015Many insurance companies have changed the wording on homeowner policies from Guarantee Replacement Cost to Extended Dwelling Coverage with a percentage such as 25%. In other words, if a home is insured for $200,000 they will not offer Guarantee Replacement Cost; however, they will go 25% over($50,000) over $200,000 in the event the rebuilding calculations are off. READ MORE >>
Wednesday, August 5, 2015A recent homeowner experienced mold in the attic. The question any insurance claims office will ask/look for when visit the site is WHERE did the mold come from/HOW did mold get to where it is? My guess, since I am not a claims adjuster or attorney, is if the mold simply grew due to moist condition in a home there simply will be no coverage. READ MORE >>
Wednesday, July 8, 2015What else can be added an auto insurance policy?
First and foremost higher auto liability limits are an absolute must. Medical Payments, Underinsured Motorist, Roadside/Towing coverage(each company has a limit and maximum number of tows), Rental Car/Loss of Use(provided your c... READ MORE >>
Wednesday, February 4, 2015Does automobile Full Coverage mean a person is covered for EVERYTHING? Absolutely NOT! ALL Auto policies have limitations. An agent typically knows what a person is asking for when they hear full coverage; however, rarely is a person covered for EVERYTHING. READ MORE >>