Coughlin Insurance Agency

09/03/2026

🗣️ Ask an Agent: 3 Common Questions 🛡️

We hear all kinds of questions as insurance agents. Answering these questions is part of our job, and honestly, one that we don’t mind. Insurance isn’t always easy to grasp, and helping people understand it a little better is incredibly rewarding. 🤝

That’s why we’ve listed three questions we get asked a lot right here to save you the trouble of asking:

1️⃣ Why do I need all of this coverage?
Your coverage amount should match the cost to replace the items on the policy. That said, every situation is different, and costs change over time, so go over your policy with us to make sure everything is right. 📋

2️⃣ Why did my rate change?
Rates can shift due to claims history, driving record, inflation, or market changes. I can guarantee that it is not because your agent raised your rates! 📈

3️⃣ Does bundling actually help?
Almost always. It can make things easier when dealing with your company, streamline service, and give you a discount on both policies. 💡

If you have a question that isn’t listed, or want to know more about one of these three, raise your hand in the comments or send us a DM! 🙋‍♂️💬

09/02/2026

Back to School time! It’s been a long summer, and it’s time to get back to class and crack those books. We send our best wishes out to all of our scholars this year, including those starting out at a new school or maybe gearing up for graduation.

09/01/2026

A record number of U.S. adults under 35 are living with their parents, according to a recent Realtor.com study.

In 2025, 25.2 million adults under 35 lived at home, a higher share than during the COVID-19 pandemic.

Many are working, but wages are not always keeping up with the cost of living. Among adults ages 25 to 34 who live at home, roughly 7 in 10 have jobs.

Housing affordability is a major factor. Higher home prices, elevated mortgage rates, rent, student loan payments, car payments, and everyday expenses can make living independently harder to sustain.

For some families, moving back home may be a way to reduce expenses, rebuild savings, or create more breathing room before taking the next step.

The broader takeaway is that financial independence does not always follow a straight timeline. Cost-of-living pressures are reshaping what adulthood, housing, and household decisions look like for many families.


Source:

One woman in her mid-30s said her $60,000 annual income wasn't enough to cover all her bills after a breakup, leading her to move back home.

09/01/2026

Let the ’ber months begin! 🍂☕

Hello, September! Cooler mornings, changing leaves, football, apple picking, pumpkin everything… we’re ready for you.

The start of the ’ber months also means a new season is right around the corner. As life changes, it’s always a good time to make sure your insurance is keeping up with it.

Here’s to a happy, cozy & well-covered September! 🧡

08/31/2026

For many homeowners, the biggest weather risk may no longer be hurricanes.

New research from First Street found that severe convective storms, including tornadoes, hail, and damaging winds, have become the costliest insured natural disasters worldwide.

In 2025, these storms accounted for one-third of global natural disaster economic losses. Insured and uninsured losses totaled $82 billion, with $68 billion concentrated in the U.S.

Hail is the biggest driver of insurance payouts within this category, followed by severe winds.

These storms tend to move quickly, but they can cause widespread damage to homes, cars, businesses, and infrastructure.

For homeowners, the growing cost of severe weather can show up in more than repairs. It may also affect insurance premiums, property maintenance, emergency savings, and long-term housing costs.

As weather risks shift, it can be worth reviewing coverage, deductibles, and how prepared your household is for unexpected property damage.


Source:

Severe "convective" storms account for roughly a third of global natural disaster economic losses, a new study finds.

08/29/2026

Back-to-school season is bringing higher costs for many families.

A new analysis found that a typical basket of school items, including notebooks, lunch boxes, and index cards, is up nearly 8% compared with last year.

School lunches are also more expensive, with the cost of a typical packed lunch up 11%.

The analysis estimates families may spend roughly $4,000 per student on school supplies and lunches this year, including about $175 on school items and $3,800 on packed lunches.

Some items have seen especially sharp increases. Lunch boxes are up 27%, one-subject notebooks are up 23%, and index cards are up 22%.

Higher tariffs, imported school supplies, food prices, and energy costs are all contributing to the increase.

For families, back-to-school shopping is a reminder that seasonal expenses can add up quickly, especially when everyday costs are already stretching household budgets.


Source:

U.S. households will spend roughly $4,000 per student on school supplies and lunches this year, a new analysis found.

08/24/2026

Don’t be afraid of the cyber desperadoes. Learn how your data can be covered by cyber liability insurance in this fun video.

Learn about cyber liability insurance in this entertaining video.

08/23/2026

Brush up on your insurance vocab by learning what a “policy” entails.

Do you know what a Policy is?

08/22/2026

Ever wonder about those free credit scores you get once a year?

What’s the deal with your yearly free credit report?

08/21/2026

If you died, what would happen to your email archives, social profiles, and online accounts?

If you died, what would happen to your email archives, social profiles and online accounts?