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 >>
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 >>
Monday, March 8, 2021If you own a Rental home or rental unit up to 4 families be sure you have good policy to protect the building and loss of rents. Typically the insurance companies will use a Dwelling Policy Form 3(DP-3) for the properties covered for rebuilding cost or a Dwelling Fire Form 1(DP-1) for the Actual; Cash Value or Market Value Policies. READ MORE >>
Tuesday, October 27, 2020When a owner-occupied or rental house becomes VACANT(means empty of people and contents) insurance companies can DENY a claim. In fact some may deny if vacant of people and contents for 1 day, others may give 30 or 60 days. The main issue is Vandalism or Malicious Mischief, including fire caused by arson. READ MORE >>
Tuesday, October 13, 2020I was reviewing a publication in Missouri Association of Insurance Agents with real life examples. Scenario #1, An insured was driving on a two lane highway when they struck a pedestrian causing serious head trauma. The insured was not intoxicated, was not speeding and not using cell phone. READ MORE >>
Friday, August 14, 2020The world keeps changing, innovations are everywhere. Golf Carts used to simply be used on golf courses only, now they are used by people in communities as transportation. When it comes to accident's with damages to property, injuries to passengers do not expect your homeowner policy to automatically protect you. READ MORE >>
Tuesday, June 30, 2020Homeowner policy forms are used for Owner-Occupied residences, not rental or vacant properties. Homeowner forms can be used for owning a home, villa, condo or renting an apartment; however, there are different homeowner forms for each. READ MORE >>
Thursday, April 23, 2020During the stay at home orders by various state governors, Missouri, many of insurance companies are offering a refund to their clients. Many companies are offering a 15% discount of two months of auto insurance premiums, due to less driving activity. READ MORE >>
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