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Flanigan Insurance Agency Inc Blog: homeowner insurance

View the latest blog posts from Flanigan Insurance Agency Inc.

Winter has come across the nation and that means fires in fireplace.  I have a couple fires a month in my fireplace.   I try and clean out the ashes a few days later and reset wood, sticks and paper for the next fire.  A few weeks later I went to light that fire when I noticed some leaves on top of the cut wood. READ MORE >>

Recently 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 >>

Earthquake coverage can only be a covered loss if added onto your homeowner policy.  All standard homeowner policies EXCLUDE earthquake coverage; however, many insurance companies will allow the coverage added by special endorsement/rider, similar to adding sewer back up, itemized jewelry or Identity theft. READ MORE >>

Many 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 >>

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