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 >>
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 >>
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