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Flanigan Insurance Agency Inc Blog: insurance

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Unless you Own a home or Condo and do not reside with family members then EVERYONE in that situation should have a Renters Insurance Policy.  Whether you rent an apartment/duplex/townhouse or live with a non relative you should have a renter insurance policy. READ MORE >>

Do you own a low production, high valued vehicle such as 1950, 60,70,80,90 or 2000 model car which is rarely driven(less than 7500 miles a year), kept in garage and you would like more than a typical auto policy providing Actual Cash Value(ACV)?   HAGERTY Ins Co offers Stated Amount and Guarantee Value for your unique car. READ MORE >>

When 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 >>

I blogged in 2017 about this and decided to reprint with a few modifications. In all the years you have lived in your home it has never been flooded, now you are told you are recently mapped into a flood zone, typically A or AE zone, now what? READ MORE >>

It's about time, the Missouri auto liability limit will be increasing slightly from 25/50/10 to 25/50/25 effective 7-1-2019.  This means the Property Damage limit will change from $10,000 to $25,000 for any one accident.  In other words if a person has a 3 car pile up the new maximum limit paid out will be $25,000 for all damages. READ MORE >>

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 >> 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 >>

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