Tuesday, July 18, 2023

Do not at fault accidents count on my auto insurance?

Auto insurance companies use many, many factors when rating each policy.  Yes, not at fault accidents can impact the pricing.  They do not impact pricing the same as an at fault accident. READ MORE >>

Wednesday, April 5, 2023

Recreational Vehicles

It's springtime, time to spring clean the RV including Motorhomes and Travel Trailers, ATV's, Boats, Jet skis, golf cart, Electric Bikes, Motorcycles. READ MORE >>

Thursday, January 19, 2023

Electric Bike

Okay, you just received an Electric Bike (EBike) for Christmas or you just purchased one.  Are Ebikes covered by your homeowner insurance?  NO!!!! They are not covered as they have a motor. READ MORE >>

Monday, November 14, 2022

roofs on homes

If you have replaced a roof on your home be sure and let your homeowner insurance company know.  Many companies give a discount based on roofs age.  As time goes on the discount is reduced. READ MORE >>

Saturday, July 30, 2022

Flooding & Homeowner Insurance from 7/26/2022 11" storm

Parts of the St Louis region received as much as 8" of rain in 6 hours and a total of 11" in 24-hour period beating a record from July 1915. READ MORE >>

Friday, February 18, 2022

Homeowner dies and home is no longer owner-occupied

When a homeowner dies or has moved out of the house and the home is no longer OWNER-OCCUPIED can an insurance company deny a homeowner claim?  Yes, an insurance company can deny a homeowner claim if a home is no longer OWNER-OCCUPIED. READ MORE >>

Tuesday, January 4, 2022

RV/Motorhome Insurance

If you own a Travel Trailer or Motor Home and are seeking insurance Flanigan Insurance represents Safeco, Progressive, Foremost and American Modern Home Insurance Companies. READ MORE >>

Thursday, December 16, 2021

Independent agent

Is there a difference in how handles your insurance?  If select direct writing company i.e. State Farm the agent typically can only represent ONE company, one option. READ MORE >>

Wednesday, November 3, 2021

Why should take out Renters Insurance?

If you do not own a home a property and rent you should have a Renter Insurance Policy unless you reside with a family member.  The reason for your OWN Renter policy is a landlord is NOT going... READ MORE >>

Tuesday, September 21, 2021

Does color of car factor in rating of auto insurance

It does not matter what color of car, the rate is same.  Once you have a year, make, model and trim(such as Sport, Limited etc) the color makes zero difference in the cost of your car insurance. READ MORE >>