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Flanigan Insurance Agency Inc Blog: mo

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It's been a while since reviewed this important coverage.  In Missouri, Un and Underinsured Motorist can be added to any auto policy with liability limits OVER the state minimum of 25,000/$50,000/$10,000( i.e. 50/100/50, 100/300/100 or 250/500/250).  READ MORE >>

All Terrain Vehicles(ATV), should have a separate motorcycle policy, rather than rely on homeowner policy to protect a homeowner.  Many ATV's are used to service a homeowner's property and never leave the property; however, my guess is the majority of ATV owners take the unit off the insured's premise. READ MORE >>

I was reading an email from Missouri Dept of Insurance, talking about insurance check ups on auto and home, among other topics.  I'm focusing here on homeowners and Earthquake.  It specifically read...... 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 >>

Un and Underinsured Motorist coverage in Missouri is a very important coverage.  No it does NOT cover your car if it's damaged by an uninsured driver or hit an run.  It protects the insured driver and occupants for their injuries and loss of income. READ MORE >>

A question came up, garage door hit their parked car.  Is this a Comprehensive or Collision loss?  Collision refers to upset of your covered auto or it's impact with another vehicle or object.  While Comprehensive(a.k.a. READ MORE >>

Earthquake coverage can only be a covered loss if added onto your homeowner policy.  All standard homeowner policies EXCLUDE earthquake coverage; however, many insurance companies will allow the coverage added by special endorsement/rider, similar to adding sewer back up, itemized jewelry or Identity theft. READ MORE >>

A recent homeowner experienced mold in the attic.  The question any insurance claims office will ask/look for when visit the site is WHERE did the mold come from/HOW did mold get to where it is?   My guess, since I am not a claims adjuster or attorney, is if the mold simply grew due to moist condition in a home there simply will be no coverage. READ MORE >>

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