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You probably think you have "full coverage." David Flaig has heard that phrase thousands of times—and it almost never means what people think it means.

For over 23 years, David has been the insurance guy on the Peninsula, helping families and businesses navigate the complicated maze of policies, fine print, and those middle-of-the-night questions like "should I file a claim for this or not?" As the founder of Flag Insurance Services in San Mateo, he's built his practice on one core principle: educate first, then let the client decide.

In this conversation, David breaks down why the 15-minute insurance quotes are often a trap, what the mysterious "clue database" is and why it matters, and the story of a client who filed a $2,000 claim that ended up costing her thousands more in premiums.

In this episode:

• Why you should talk to your agent before filing any claim
• The perfect storm hitting California insurance right now (and why we're all paying for the LA wildfires)
• How often you should actually review your policy (hint: at least annually)
• The engagement ring question, the Italy rental car question, and other things people forget to ask

Connect with David Flagg:

• Website: DavidFlaig.com
• Phone, email, text: All available on the website

Also mentioned:

• Anita Varela from Neighborly Senior Placement

This podcast is produced by Within Range Life Coaching LLC—helping you tend to what matters, one conversation at a time.