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Flanigan Insurance Agency Inc Blog

View the latest blog posts from Flanigan Insurance Agency Inc.

Many people own some kind of motorized vehicle, such as ATV, golf cart or scooter and assume their homeowner policy will cover it, well they will be in for a shocking surprise in event of a serious injury.   Likewise, older cars kept in a garage would NOT be covered by a fire or theft. READ MORE >>

This is a reminder to be extremely careful opening up any email attachments.  If you are unsure who the sender is then do not open any attachments or go to any links within the email.  If you run mouse curser over the sender address usually the senders address will appear and you will know if you recognize the sender. READ MORE >>

First and foremost, consider increasing auto liability limits and perhaps obtaining a $1,000,000 umbrella policy.  If an a person causes a serious auto accident, these days a person will be sued. READ MORE >>

I am answering this in a general kind of way, as Missouri uses Auto Medical Payments not Personal Injury Protection(PIP).  Medical payments is an optional coverage in Missouri, the options are typically $1,000, $2000, $5000 or $10,000.  Medical payments pays for the driver and occupants of the car's medical payments from a car accident. READ MORE >>

An applicant's credit certainly is a huge rating factor when it comes to most insurance policies.  Credit seems to rule these days, whether it's for a car loan, mortgage, credit card etc.  The better a persons credit score the lower insurance rates will be.  Why is this? READ MORE >>

In Missouri, most home insurance companies will only pay to replace an entire roof if there is enough hail evidence to entire roof.  It's very possible a home could require and entire new roof while a neighbor only has minimal damage. READ MORE >>

It's been a while since reviewed this important coverage.  In Missouri, Un and Underinsured Motorist can be added to any auto policy with liability limits OVER the state minimum of 25,000/$50,000/$10,000( i.e. 50/100/50, 100/300/100 or 250/500/250).  READ MORE >>

More and more auto insurance companies are offering new and existing policyholders an opportunity to further reduce cost of their auto insurance by inserting a tracking device for set period of time to determine how safe the driver is. READ MORE >>

ABSOLUTELY, for the sake of the grandchild if anything happens to the mother then having some extra money for bringing up the grand child for clothing, education, transportation when the grandchild is of driving age is very, very important plus the funeral expenses of the mother. READ MORE >>

All Terrain Vehicles(ATV), should have a separate motorcycle policy, rather than rely on homeowner policy to protect a homeowner.  Many ATV's are used to service a homeowner's property and never leave the property; however, my guess is the majority of ATV owners take the unit off the insured's premise. READ MORE >>

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