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 >>
Friday, April 3, 2020Spring has arrived in Missouri and with it out come the Motorcycles. If you would like to compare your cycle policy with Safeco or Progressive cycle policy please let me know by contacting Flanigan Insurance at 314-727-6000, this goes for ATV's as well. READ MORE >>
Friday, December 13, 2019A new coverage in 2019 is available from many home insurance companies called Service Line coverage. This coverage is designed to cover sewer lines/water lines/power lines from the house to the street that may collapse, rot, burst and require the digging up of the yard to replace/repair the issue. READ MORE >>
Wednesday, October 2, 2019Do 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 >>
Wednesday, July 31, 2019I 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 >>
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 >>
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