Tuesday, April 21, 2026

Homeowner Roofs

Many homeowner companies will only accept new business if a roof is less than 15 years old.  Once a company issues a policy they will continue to renew to the home even if roof becomes older than 15 years. READ MORE >>

Wednesday, April 1, 2026

Does full coverage mean full coverage?

About every month when an auto quote is requested someone asks/requests full coverage. I generally know what person means; however, full coverage does not entirely exist. READ MORE >>

Monday, August 5, 2024

Rising Insurance Costs

In 2024, increase in costs continue to be a problem for the insurance industry.  Some examples, distracted driving amounts to nearly one third of all auto losses. READ MORE >>

Tuesday, July 18, 2023

Do not at fault accidents count on my auto insurance?

Auto insurance companies use many, many factors when rating each policy.  Yes, not at fault accidents can impact the pricing.  They do not impact pricing the same as an at fault accident. READ MORE >>

Wednesday, April 5, 2023

Recreational Vehicles

It's springtime, time to spring clean the RV including Motorhomes and Travel Trailers, ATV's, Boats, Jet skis, golf cart, Electric Bikes, Motorcycles. READ MORE >>

Thursday, January 19, 2023

Electric Bike

Okay, you just received an Electric Bike (EBike) for Christmas or you just purchased one.  Are Ebikes covered by your homeowner insurance?  NO!!!! They are not covered as they have a motor. READ MORE >>

Monday, November 14, 2022

roofs on homes

If you have replaced a roof on your home be sure and let your homeowner insurance company know.  Many companies give a discount based on roofs age.  As time goes on the discount is reduced. READ MORE >>

Saturday, July 30, 2022

Flooding & Homeowner Insurance from 7/26/2022 11" storm

Parts of the St Louis region received as much as 8" of rain in 6 hours and a total of 11" in 24-hour period beating a record from July 1915. READ MORE >>

Friday, February 18, 2022

Homeowner dies and home is no longer owner-occupied

When a homeowner dies or has moved out of the house and the home is no longer OWNER-OCCUPIED can an insurance company deny a homeowner claim?  Yes, an insurance company can deny a homeowner claim if a home is no longer OWNER-OCCUPIED. READ MORE >>

Tuesday, January 4, 2022

RV/Motorhome Insurance

If you own a Travel Trailer or Motor Home and are seeking insurance Flanigan Insurance represents Safeco, Progressive, Foremost and American Modern Home Insurance Companies. READ MORE >>