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Home > Blog > Flanigan Insurance Agency Inc Blog: missouri
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Flanigan Insurance Agency Inc Blog: missouri

View the latest blog posts from Flanigan Insurance Agency Inc.

Tuesday, October 27, 2020

What if home becomes Vacant

When 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, 2020

Why an Umbrella is needed

I 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, 2020

Golf Carts and Electric Bikes

The 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, 2020

Are Homeowner and Dwelling Fire policies the same?

Homeowner 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, 2020

Personal Auto Insurance Relief Fund

During 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, 2020

Motorcycle season has arrived

Spring 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, 2019

Service Line Coverage added to homeowner policy

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 >>

Wednesday, October 2, 2019

Classic, Antique and Unique Car Insurance

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 >>

Wednesday, July 31, 2019

Recently Mapped into Flood Zone

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 >>

Thursday, March 28, 2019

Bicycle, Motor Cycle and ATV

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 >>

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