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Flanigan Insurance Agency Inc Blog: insurance

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Spring is a good time to check your deck, porches and stoops hand railings, posts and other wood items around the exterior.  Face it your deck, porch, steps take a weather beating.  Dry rot can occur and weaken the structure which can lead to collapse. READ MORE >>

With the spring in full motion in Midwest this 2019, I can bet there will be a a few calls about trees.   The way it works in insurance, if a tree falls on a home/fence/structure from a storm it's the damaged homes problem rather than the tree owners.  Some neighborly people will insist on splitting th cost. READ MORE >>

Most 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 >>

Property 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 >>

  https://youtu.be/OzPGi8PATE0 Please highlight and go to this short link above.  This clip is published by MO DEPT OF INSURANCE pertaining to myths surrounding earthquake insurance.   Any questions please contact Flanigan Insurance at 314-727-6000         READ MORE >>

Winter has come across the nation and that means fires in fireplace.  I have a couple fires a month in my fireplace.   I try and clean out the ashes a few days later and reset wood, sticks and paper for the next fire.  A few weeks later I went to light that fire when I noticed some leaves on top of the cut wood. READ MORE >>

Everyone tries to be good consumer and shop for best price for similar products.  What happens in car insurance is some clients want FULL COVERAGE yet they only purchase minimum state liability and uninsured motorist limits(25/50/10 in Missouri) while others realize the importance of PROTECTION and obtain 50/100/50, 100. READ MORE >>

A recent quest came up when client asked how the Condo Loss Assessment coverage works.  Condo policies are a classic example of building a policy, since Master Policies vary tremendously. It is best to check the Master Policy for it's included and not included items. READ MORE >>

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 >>

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