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 >>
Monday, July 15, 2019The standard auto policy provides coverage for car, spare tire, jack and child seat. Auto policies simply do not cover items stolen from a car such as sunglasses, phones, sports equipment, gifts, packages etc. When it comes to pickup trucks items not automatically inscluded would be a camper shell, tool boxes, tools used for a profession i. READ MORE >>
Monday, June 17, 2019It's about time, the Missouri auto liability limit will be increasing slightly from 25/50/10 to 25/50/25 effective 7-1-2019. This means the Property Damage limit will change from $10,000 to $25,000 for any one accident. In other words if a person has a 3 car pile up the new maximum limit paid out will be $25,000 for all damages. READ MORE >>
Friday, May 10, 2019Spring is a good time to check your deck, porches and stoops hand railings, posts and other wood items around the exterior. Face it your deck, porch, steps take a weather beating. Dry rot can occur and weaken the structure which can lead to collapse. READ MORE >>
Wednesday, April 24, 2019With the spring in full motion in Midwest this 2019, I can bet there will be a a few calls about trees. The way it works in insurance, if a tree falls on a home/fence/structure from a storm it's the damaged homes problem rather than the tree owners. Some neighborly people will insist on splitting th cost. 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 >>
Sunday, February 17, 2019Property and Casualty mean separate things. Property insurance provides protection against most risks to tangible property from losses like auto collision, fire, flood, earthquake, theft and other perils. Casualty protects for LIABILITY. Auto and Homeowners each provide liability. 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 >>
Tuesday, January 15, 2019Winter has come across the nation and that means fires in fireplace. I have a couple fires a month in my fireplace. I try and clean out the ashes a few days later and reset wood, sticks and paper for the next fire. A few weeks later I went to light that fire when I noticed some leaves on top of the cut wood. READ MORE >>
Thursday, December 13, 2018Everyone tries to be good consumer and shop for best price for similar products. What happens in car insurance is some clients want FULL COVERAGE yet they only purchase minimum state liability and uninsured motorist limits(25/50/10 in Missouri) while others realize the importance of PROTECTION and obtain 50/100/50, 100. READ MORE >>
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