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 >>
Wednesday, October 31, 2018Many 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 >>
Tuesday, October 9, 2018This 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 >>
Monday, August 20, 2018First and foremost, consider increasing auto liability limits and perhaps obtaining a $1,000,000 umbrella policy. If an a person causes a serious auto accident, these days a person will be sued. READ MORE >>
Thursday, July 12, 2018I am answering this in a general kind of way, as Missouri uses Auto Medical Payments not Personal Injury Protection(PIP). Medical payments is an optional coverage in Missouri, the options are typically $1,000, $2000, $5000 or $10,000. Medical payments pays for the driver and occupants of the car's medical payments from a car accident. READ MORE >>
Tuesday, May 15, 2018In Missouri, most home insurance companies will only pay to replace an entire roof if there is enough hail evidence to entire roof. It's very possible a home could require and entire new roof while a neighbor only has minimal damage. READ MORE >>
Wednesday, April 18, 2018It's been a while since reviewed this important coverage. In Missouri, Un and Underinsured Motorist can be added to any auto policy with liability limits OVER the state minimum of 25,000/$50,000/$10,000( i.e. 50/100/50, 100/300/100 or 250/500/250). READ MORE >>
Friday, February 23, 2018More and more auto insurance companies are offering new and existing policyholders an opportunity to further reduce cost of their auto insurance by inserting a tracking device for set period of time to determine how safe the driver is. READ MORE >>
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