There’s no place like it…
Homeowners Insurance from Coughlin Insurance Services
Let’s face it: for most of us, a house is the biggest purchase we’ll ever make. Buying a house is a major decision. We literally spend months looking for the right house. After all, it’s more than a dwelling place: it’s where we celebrate family, where we run to at the end of a hectic day. It’s home. It offers you and your family protection…and it’s important to return the favor. The professionals at Coughlin Insurance Services make sure you never have to worry about those ‘what if’ moments stealing your peace of mind.
“I thought my policy covered that!”
Do you have what you need? Be sure with Coughlin.
We hear the horror stories all the time: stories about homeowners who thought that having an insurance policy was all they needed to ensure their possessions would be replaced in the event of a loss. Unfortunately, that’s not the case. Even sadder is the fact that most homeowners have no idea that their insurance is inadequate until AFTER a loss occurs.
Usually, a new homeowner buys a policy recommended by an agent. They’re told that their policy includes coverage for their personal effects (often referred to as ‘contents coverage’). However, what’s often excluded from the conversation is the limits on certain personal property. All policies have specific limits on many items, such as jewelry, artwork, electronics, collectibles (think baseball cards), guns, money and many other things.
At Coughlin Insurance Services, we take the necessary steps to ensure you have the coverage you need when you need it. We assess each individual homeowner’s needs and put together a homeowner’s policy that includes adequate coverage for all your belongings.
Are you paying too much?
Discover the advantage of independence with Coughlin Insurance Services
‘One size fits all’ seldom works and that’s especially true when it comes to homeowners insurance. Captive agencies represent only one insurance company, and no single company can meet the needs of every homeowner. Coughlin Insurance Services is an Independent Insurance Agency that can offer numerous options. We’ve developed relationships with many of the nation’s most reputable homeowners insurance providers. We’ve spent countless hours reviewing their policy options so we can match you and your home with the right company. Different companies offer different coverage limits, different discounts and different advantages. Your Coughlin Insurance Services agent will tailor a policy for a truly custom fit for you and your home.
Important Information for Renters
Your landlord / property owner’s insurance does NOT cover your personal belongings.
This is probably the most common misconception among those who rent…and it could cost you literally tens of thousands of dollars. Their policy covers the building and their personal property. Since they don’t own your items they have no insurable interest, therefore, only you can secure the protection you need for your things. Renters insurance provides coverage for your personal items against many types of loss. A good renter’s policy also provides liability protection, which is important should someone become injured in your home. Ask your Coughlin Insurance Services representative about Renter’s insurance.
Flood Insurance by Coughlin Insurance Services
Despite the vast flow of information available in today’s internet-driven world, many people still believe their homeowners insurance policy covers flooding. It’s important to know that your homeowners insurance policy does NOT cover flooding. However, that doesn’t mean you’re left unprotected should a flood occur.
The National Flood Insurance Program
Created in 1968, the NFIP is a federal program that provides flood insurance to people who live in areas with the greatest risk of flooding. These areas are called Special Flood Hazard Areas. The program provides a more cost-effective option for the government over disaster assistance, reducing the costs of building and content repair and/or replacement in the event of a flood. Coughlin Insurance Services is proud to provide flood insurance through the National Flood Insurance Program.
Available to EVERY property owner
You don’t have to live in a high-risk flood area to purchase flood insurance.
Due to the unpredictable nature of some types of floods, flooding occurs in areas not included on the flood maps. Local draining problems, ice jams and sheet flooding down a slope occur in areas outside the mapped flood hazard areas. Even if your property has flooded before, you can participate in the National Flood Insurance Program. And here’s good news to those who have filed a previous flood insurance claim: your premiums do NOT go up as a result of your claims history!
Isn’t Federal Disaster Assistance enough?
The short answer is NO.
Unless your community is declared a federal disaster area, it doesn’t qualify for disaster assistance. Federal disaster assistance declarations are issued in less than 50% of flooding incidents. Also: most federal disaster assistance is in the form of loans. Your annual premium for Flood Insurance is typically less expensive than a single monthly payment on a federal disaster loan. Once you’ve received federal disaster assistance after a flood, you will be required to purchase flood insurance to remain eligible for future disaster relief.
Note: Rain entering through wind-damaged windows, doors or holes in a wall or roof that causes standing water and/or puddles is classified as windstorm damage, not flood damage. National Flood Insurance covers only covers damage caused by general flooding (typically caused by storm surges, wave washes, tidal waves or the overflow of any body of water over normally dry land areas).
Our Homeowners Insurance options include:
- Homes and asset replacement / House and home insurance
- Renters / Rental property
- Mobile/Motor Homes
- Vacant Homes
- Homes under construction
- Fire Policies
- Personal liability (and umbrella)
- Disaster coverage:
- Personal Items such as Jewelry, artwork, etc (Private collections)
- Identity Theft
- Multi Policy Discounts are available
- Auto and Car insurance