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 >>

Thursday, December 16, 2021

Independent agent

Is there a difference in how handles your insurance?  If select direct writing company i.e. State Farm the agent typically can only represent ONE company, one option. READ MORE >>

Friday, November 19, 2021

Mobile Home Insurance

If you reside in a mobile home Flanigan Insurance agency has 3 companies to quote up: Progressive, Foremost and American Modern Home Insurance Companies please let me know if you would like a price... READ MORE >>

Wednesday, November 3, 2021

Why should take out Renters Insurance?

If you do not own a home a property and rent you should have a Renter Insurance Policy unless you reside with a family member.  The reason for your OWN Renter policy is a landlord is NOT going... READ MORE >>

Tuesday, September 21, 2021

Does color of car factor in rating of auto insurance

It does not matter what color of car, the rate is same.  Once you have a year, make, model and trim(such as Sport, Limited etc) the color makes zero difference in the cost of your car insurance. READ MORE >>

Tuesday, August 24, 2021

Personal Inventory

If a total loss occurs, tornado/fire, and you have insurance protecting for the loss an insurance company will need to "WHAT HAVE YOU LOST".  It will be up to you to fill out forms and that can be time consuming. READ MORE >>

Tuesday, July 27, 2021

Valuable Items/Collections for Homeowner Insurance

Is it a good idea to Itemize/Group/Schedule valuable items such as card collections on your homeowner policy?  Yes, it is.  The reason is it's valuable and anything of value such as $10,0... READ MORE >>

Thursday, June 10, 2021

Can I have too many Roadside claims?

I have heard of a couple companies cancelling a auto policy simply due to 3 or more roadside/tow claims in first 6 months a policy began.  So the answer is yes, if tow to a shop and the shop c... READ MORE >>

Thursday, April 29, 2021

Flood Insurance in Missouri

Spring is back, rain is back.  It is not necessary to live near a creek to have flooding issues.  Hard pounding rain water becomes surface water, rides on top of the surface, entering a home is NOT covered by any homeowner policy. READ MORE >>