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Flanigan Insurance Agency Inc Blog: missouri

View the latest blog posts from Flanigan Insurance Agency Inc.

United Health Care offers a number of Short-Term Health Insurance policies.  The short term policy is NOT Affordable Care Act(ACA) Health Insurance, at end of the year a short term policy holder will NOT receive a 1095-B form.  Short Term policies can fill a void for people between jobs or waiting for other coverage to begin. READ MORE >>

The 2018 Open Enrollment period is shorter this year, it extends from 11-1-2017 to 12-15-2017....that is it.  Anthem Blue Cross/Blue Shield has pulled out of St.Louis, St. Charles, Jefferson & Franklin Counties for 2018, so my agency has decided to STOP writing Affordable Care Act policies. READ MORE >>

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 AE zone, now what?   First the reason you may be recently mapped into a flood zone is all the new building upstream of your homes location. READ MORE >>

A client asked me, I carry 50/100/50 liability limits, is that adequate?  This is a loaded question, I would say yes it is adequate if a minor accident occurs; however, if a major accident occurs you better hope your policy limits are not exhausted....if so any awards over the limits will have to come out of YOUR pocket. READ MORE >>

On 7-14-17, FEMA(Federal Emergency Mgmt Agency)announced two weeks remain for Missouri Homeowners, Renters and Businesses to apply for disaster assistance, deadline is 8-1-2017, for low interest loans from the U.S. small business admin.  READ MORE >>

If I have a dealer warranty why would I need Rental Car or sometimes called Loss of Use Coverage for my car?   The reason is an extended warranty does not include rental car if car is damaged in an accident or some other claim. READ MORE >>

Flanigan Insurance agency has THREE different Guarantee Issue Life Insurance Companies: PRUDENTIAL, KEMPER and Polish Roman Catholic Union of America(PRCUA). Guarantee Issue means the insurance companies do NOT ask medical questions and rates do not change throughout the term of the policy.  READ MORE >>

Many homeowner insurance companies have stopped writing earthquake coverage in Missouri, other's have placed a year(such as 1960) as the oldest they will permit adding earthquake.  Keep in mind if you suffer earthquake damage and do NOT have earthquake coverage there will be NO cov... READ MORE >>

An SR-22 is ONE requirement imposed by the Dept of Motor Vehicle/Driver License Bureau in the event of a driver license suspension.  Essentially an SR-22 is a post card size form mailed or electronically sent by an insurance company directly to the Driver License Bureau. READ MORE >>

Most of us have seen on news a sinkhole in other parts of the U.S.  In particular, I am thinking of Florida, where yards, streets and homes have simply disappeared.  In my 32 years in the insurance business I can not recall a sinkhole claim;  therefore, the probability is slim. READ MORE >>

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