Flanigan Insurance Agency Inc Blog: missouri insurance
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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, 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, 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 >>
Thursday, January 24, 2019 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 >>
Wednesday, December 5, 2018A 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 >>
Friday, December 22, 2017All Terrain Vehicles(ATV), should have a separate motorcycle policy, rather than rely on homeowner policy to protect a homeowner. Many ATV's are used to service a homeowner's property and never leave the property; however, my guess is the majority of ATV owners take the unit off the insured's premise. READ MORE >>