Friday, February 18, 2022When 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. This could mean a recent death or the owner simply moving out. READ MORE >>
Tuesday, January 4, 2022If you own a Travel Trailer or Motor Home and are seeking insurance Flanigan Insurance represents Safeco, Progressive, Foremost and American Modern Home Insurance Companies. If brand new model the vehicle is eligible for Replacement Cost if older model then either Agreed Value or Actual Cash Value are the options. READ MORE >>
Thursday, December 16, 2021Is 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. An Independent Agency can represent more than one company, for example Flanigan Insurance represents: Safeco, Progressi... READ MORE >>
Friday, November 19, 2021If you reside in a mobile home Flanigan Insurance agency has 3 companies to quote up: Progressive, Foremost and American Modern Home Insurance Companies please let me know if you would like a price quote by calling 314-727-6000 or emailing the office at dflanflanins@yahoo.com. READ MORE >>
Wednesday, November 3, 2021If 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 to pay for your personal stuff if it is damaged in fire or tornado. READ MORE >>
Tuesday, September 21, 2021It 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. The trim can make a difference in cost. READ MORE >>
Tuesday, August 24, 2021If a total loss occurs, tornado/fire, and you have insurance protecting for the loss an insurance company will need to "WHAT HAVE YOU LOST". It will be up to you to fill out forms and that can be time consuming. I can imagine most people do not have a personal inventory of the items they have; therefore, I suggest opening up closests, cabinets and taking photos. READ MORE >>
Tuesday, July 27, 2021Is it a good idea to Itemize/Group/Schedule valuable items such as card collections on your homeowner policy? Yes, it is. The reason is it's valuable and anything of value such as $10,000 Wedding Ring or Baseball Card collection is worth protecting. READ MORE >>
Thursday, June 10, 2021I have heard of a couple companies cancelling a auto policy simply due to 3 or more roadside/tow claims in first 6 months a policy began. So the answer is yes, if tow to a shop and the shop can not fix it and a second tow is required to get the car to next shop that "may" not be covered sin... READ MORE >>
Thursday, April 29, 2021Spring is back, rain is back. It is not necessary to live near a creek to have flooding issues. Hard pounding rain water becomes surface water, rides on top of the surface, entering a home is NOT covered by any homeowner policy. READ MORE >>
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