Tuesday, July 18, 2023Auto 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. Not only do auto companies use factors such as: insurance bureau score, year, make, model of ... READ MORE >>
Wednesday, April 5, 2023It's springtime, time to spring clean the RV including Motorhomes and Travel Trailers, ATV's, Boats, Jet skis, golf cart, Electric Bikes, Motorcycles. As a reminder, the motorized items typically are NOT covered by a homeowner policy and require a separate policy. READ MORE >>
Thursday, January 19, 2023Okay, 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. If an Ebike stolen from garage, is it covered? NO! What is best way to cover an ebike? READ MORE >>
Monday, November 14, 2022If 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. Any questions contact Flanigan Insurance at 314-727-6000 or email the agency at dflanflanins@yahoo. READ MORE >>
Saturday, July 30, 2022Parts 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. Amazingly, after hundreds of car rescues from trapped/stranded motorists many homeowners found basements filling up with water. READ MORE >>
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 >>
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 >>
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