Flanigan Insurance Agency Inc Blog: homeowner insurance
View the latest blog posts from Flanigan Insurance Agency Inc.
Tuesday, June 30, 2020Homeowner policy forms are used for Owner-Occupied residences, not rental or vacant properties. Homeowner forms can be used for owning a home, villa, condo or renting an apartment; however, there are different homeowner forms for each. READ MORE >>
Tuesday, January 15, 2019Winter 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 >>
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 >>
Friday, November 27, 2015Earthquake 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 >>
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 >>