Flanigan Insurance Agency Inc Blog: home insurance
View the latest blog posts from Flanigan Insurance Agency Inc.
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 >>
Tuesday, August 20, 2019When I hear water claims I cringe simply because there are covered and non-covered water damage claims. I am referring to homeowner policies and using a common example, the company claims adjusters are much more tuned in on the issues. READ MORE >>
Thursday, March 28, 2019Most homeowners with children own at least one bicycle. A bike with a motorized unit attached to it is NOT covered by a homeowner policy and should seek a motorcycle/scooter policy. A motorized bike, golf cart, low speed vehicle(lsv), ATV's and motor cycles are all very different.... READ MORE >>
Sunday, February 17, 2019Property and Casualty mean separate things. Property insurance provides protection against most risks to tangible property from losses like auto collision, fire, flood, earthquake, theft and other perils. Casualty protects for LIABILITY. Auto and Homeowners each provide liability. READ MORE >>
Tuesday, May 15, 2018In 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 >>
Wednesday, July 12, 2017Recently I read trade magazine about why homeowners insurance exclude certain dog breeds. Apparently 1/3 of all homeowner claims are dog related and an average claim is $33,000. The standard list of 5 is: Pit Bull, Rottweiler, Doberman, Presa Canario and Chow Chow. READ MORE >>
Friday, January 6, 2017I was reading an email from Missouri Dept of Insurance, talking about insurance check ups on auto and home, among other topics. I'm focusing here on homeowners and Earthquake. It specifically read...... READ MORE >>
Monday, April 18, 2016Ever noticed carpenter bee's buzzing around the eaves of roof or wood deck? Those carpenter bee holes can eventually lead to entire area of bore holes. Eaves and decks have been destroyed by these bugs. Home insurance companies do not provide coverage as the damage is caused over period of time rather than sudden loss. READ MORE >>
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