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Flanigan Insurance Agency Inc Blog: missouri

View the latest blog posts from Flanigan Insurance Agency Inc.

A 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 >>

Do 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 >>

I 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 >>

Most 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 >>

  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 >>

A 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 >>

Many 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 >>

This 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 >>

First 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 >>

I 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 >>

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