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All You Ever Wanted to Know About Insurance

Protect Yourself Against Auto Theft

Every 10 seconds, a car is broken into somewhere in the United States. Learn ways to decrease your risk and protect yourself from becoming a victim of auto theft. Spokespersons: Viet Nguyen, Police Officer; Seth...

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Happy New Year!

Happy New Year from Southern Insurance Associates

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Winter Rainy Season

Heavy rains are common in many parts of the United States during the winter months. These storms often lead to flooding. Several large wildfires in the western United States have dramatically changed the landscape and...

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Protect Your Home Against Arson

At least half of arson fires are started by young people under the age of 18. Learn ways to protect your home and decrease the chance of becoming a victim of arson. Spokespersons: Sgt. Wayne Shaw, Arson Investigator;...

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Personal Stories: The Hodas Discuss Staying on Top of Insurance Paperwork

In the aftermath of Hurricane Katrina, Joy Hoda emphasizes how important it is to stay on top of your insurance paperwork, and to be fully prepared. Contact Southern Insurance Associates at 706-996-8788 or Info [at]...

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Merry Christmas from SIA!

From all of us here at Southern Insurance Associates, we wish you a Very Merry Christmas!

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Personal Stories: The Robinsons Discuss Flood vs Homeowners Insurance

In the aftermath of Hurricane Katrina, Bernie Robinson talks about not having known the difference between flood and homeowners insurance. Contact Southern Insurance Associates at 706-996-8788 or Info [at]...

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Holiday Safety Tips for Your Four-Legged Friends

As a nation, our pets are like family, so let's make sure they enjoy the holidays with us while staying safe. As a general rule of thumb, always keep pets on a regular routine, even during the holiday season. Don't let...

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Personal Stories: Lenore Duplesses Discusses Being Fully Prepared for a Disaster

Lenore Duplesses and her family suffered severe damage to their home from flood waters during Katrina. Having Flood Insurance made it possible for them to repair the damage and replace their belongings. She's says she's...

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Personal Stories: The Robinsons Discuss Choosing Insurance for a New Home

In the aftermath of Hurricane Katrina, Cindy Robinson discusses the process of choosing insurance for their new home. Contact Southern Insurance Associates at 706-996-8788 or Info [at] SouthernInsuranceAssociates [dot]...

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Evacuation: How to Get Organized

In the case of a sudden emergency, you may have mere minutes to gather your family and important documents and evacuate your home--possibly for good! Get organized now so you can be prepared later. Contact Southern...

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Personal Stories: The Hodas Discuss Checking Insurance Policies Regularly

In the aftermath of Hurricane Katrina, Gene Hoda recommends checking insurance policies regularly to make sure you have enough coverage. At Southern Insurance Associates, we check with each client yearly for any changes...

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Vacation Tips: 5 Things To Do Before Leaving Town

Before leaving for your home, there are some tips for protecting your home and belongings from theft or burglary while you are away. Burglars sometimes take advantage of empty homes to steal valuable property. In March...

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Make Home Safety a Priority While You’re Away for the Holidays

The holidays can be a great time to get out of town to visit family you rarely get to see, hit the slopes or flee to the beach. Regardless of how you spend your time away, you need to ensure your house stays safe while...

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Test Your Insurance IQ: Business Owners Policies

Do you know what a "BOP" is? Are you covered under your insurance if you have to move or shut down your business after a disaster? If you own your own business, test yout knowledge by watching this video. AJaye Brown...

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The i's on Insurance: Your Homeowners Coverage

Southern Insurance Associates is all about helping consumers understand 'what insurance is and how it works.' If you're a homeowner, or are considering buying a home, you'll want to know the basics of homeowners...

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Happy Thanksgiving!

From your Southern Insurance Associates family we all hope you have a safe and happy Thanksgiving!

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Happy Halloween!

From all of us here at Southern Insurance Associates.... Happy Halloween Have a safe one!

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How To Roast Pumpkin Seeds

Toasted and salted, pumpkin seeds have a nutty flavor. They're even better flavored with sweet and savory spices. How to Roast Pumpkin Seeds - 1. Rinse pumpkin seeds under cold water and pick out the pulp and strings. (...

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Filing a Homeowners Insurance Claim: Six Steps

What is the best way to file a claim? Following these steps can help you navigate the claims process efficiently and get the most out of your policy. Contact Southern Insurance Associates at 706-996-8788 or Info [at]...

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Price Check: What can go wrong with cheap auto policies

A boomerang kid lost his job and moved back home with his parents. While driving his mother's car, he negligently struck another vehicle, causing several thousand dollars in property damage. The mother's insurer denied...

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"Social Engineering"...The New Way Criminals Are Stealing Employer Data

While 64 percent of payment fraud still occurs the old-fashioned way involving paper checks, cyber crime is on the upswing and more serious loss per occurrence is the result. According to a survey by the Association for...

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Sticking Your Head In The Sand Will Not Make Sexual Harassment Go Away

Sticking Your Head In The Sand Will Not Make Sexual Harassment Go Away A health club employee alleges her sales manager sexually harassed her. She claimed that three days after she began working at the fitness center,...

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Are You Underinsured?

Do you have enough insurance coverage to completely rebuild your home? Have you talked with your agent recently to update your policy? Don't wait until disaster strikes to find out you're underinsured. Stay current on...

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What types of disasters are covered by my homeowners insurance?

Standard homeowners policies generally cover a wide range of potential disasters, from tornadoes and windstorms, to fire and lightning strikes, to winter storm damage caused by weight of ice and snow. Most homeowners...

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In Case of an Earthquake

Important Note: Earthquake is NOT automatically included on homeowners insurance!!!! - Protecting yourself and your family - Be sure that all family members know how to turn off utilities (gas, water and electricity) in...

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Am I Covered?

Common Questions Asked by Homeowners about Insurance If a fire, flood, earthquake, or some other natural disaster were to destroy or damage your home, would you have the right insurance coverage to rebuild your house?...

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Making Sure Your Home Is Properly Covered for a Disaster

For many people, their home is their greatest asset, so it is crucial to avoid being underinsured. To protect their investment from disasters, homeowners should update their insurance regularly to include improvements,...

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Test Your Insurance IQ: Homeowners Policies

Do you know what's covered under your homeowners insurance policy? Test your insurance IQ by watching this video! Contact Southern Insurance Associates for a review of your Homeowners Insurance at 706-996-8788 or Info [...

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If I can't pay my premium, what should I do?

If unexpected expenses come up and you can't pay your life insurance premium, you should know the possible consequences. The effect depends on the type of policy and coverage you have and the policy terms and conditions....

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How to Buy Home Insurance

In the midst of the current economic doom and gloom, many people are finding a silver lining. They are finally able to buy a new home of their own. As home prices drop and mortgage rates reach historical lows, you may...

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'Blacklisted' breeds could take bite out of home insurance

By Daniel Workman Every 40 seconds, a dog bite victim in the United States seeks medical attention, according to plastic surgeon Dr. Michael Bermant. Children represent 60 percent of those injured, and 77 percent of dog...

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Can my insurance company require me to use certain types of auto repair parts?

Your insurance company can't require you to use only certain kinds of auto repair parts. However, if the insurance company's rates are based on a certain type of part and you want something different, it can ask you to...

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Insurance for Domestic Partners

Since insurance and domestic partnership laws are different in each state, it's best to consult with a financial advisor or lawyer who is familiar with laws affecting domestic partnerships in your state. AUTO - When you...

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Insurance Needs for Married People

The joining together of two lives is joyous. It's also nerve-wracking. There are a number of adjustments couples have to make when thinking and planning for two. They may need financial protection they haven't worried...

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Insurance Needs for Singles

You are part of the work force and out on your own. Establishing a solid financial foundation should be a priority, including insurance in the mix. It's important to understand what affects the cost and availability of...

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Insurance Needs for Divorced

Since nearly half of all marriages fail, divorce is unfortunately very real for many people. Couples face the difficult task of separating emotionally and financially. This has insurance implications as well. Legal and...

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Senior Drivers

People 55 years or older are less likely to drive aggressively or too fast. That's the reason that most insurance companies offer discounts to drivers over 55. Still, older drivers are more likely to have impaired...

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Avoiding Deer-Car Collisions

The explosion in the deer population has lead to a continuing increase in deer-car collisions. This trend will only increase as the deer population grows and urban habitats continue to encroach upon rural environments....

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Essential Safety Tips for Nighttime Boating

If you own a boat (or better yet, as the joke goes, you know someone who does), you've probably thought about spending some evenings on the water - especially in the summertime. It's a great thought, of course. But,...

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Distracted Driving

Driver distractions or inattentive driving play a part in one out of every four motor vehicle crashes. That is more than 1.5 million collisions a year and 4,300 crashes daily, according to the National Highway Traffic...

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Personal Stories: The Radkas Share Their Experience About Fire Preparedness

After a frightening fire in their home, the Radkas share about how having the right insurance coverage allowed them a quick and easy recovery. October 5-11 is Fire prepardness week. Take a moment to check your home and...

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Asteroids, Meteors and Falling Satellites: Are They Covered By Insurance?

Forecasts of debris from satellites falling to earth regularly receive attention in the news media but the prospect of asteroid debris striking the planet, which occurred on February 15, 2013, in Russia, poses an...

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If I file a claim, will my premium go up?

You may be reluctant to file a claim because you fear that your premium will go up or your insurance will be canceled. Practices vary from company to company. In general, an insurer will increase your premium by...

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Will My Insurance Pay for a Loss In My Car's Value if it Is Damaged In a Collision?

Diminished Value Explained What Is Diminished Value? - After a vehicle has been involved in a major accident and has been repaired, depending on its age and condition, the resale value may be less than if it had not...

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Fantazia Circus in La Fayette, Sunday Oct 5 @ 3pm

This Sunday, October 5th at 3:00pm the Fantazia Circus will be at Lafayette Municipal Park Recreation Center. Adult admission $15 per person, for more information seewww.discoverfantazia.com

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2014-Scare on the Square

Scare on the Square is sponsored by the Bank of Lafayette, and the City of Lafayette Main Street/ Downtown Development Authority board. Local business owners come out on Halloween and give out candy to all the children...

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Do I Need Rental Car Insurance?

Properly insuring a rental car can be confusing, frustrating and downright daunting. Unfortunately, many consumers do not even think about car rental insurance until they get to the counter, which can result in costly...

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What Is Gap Insurance?

When you buy or lease a new car or truck, the vehicle starts to depreciate in value the moment it leaves the car lot. In fact, most cars lose 20 percent of their value within one year. Standard auto insurance policies...

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October is Breast Cancer Awareness Month

October is Breast Cancer Awareness Month, which is an annual campaign to increase awareness of the disease. While most people are aware of breast cancer, many forget to take the steps to have a plan to detect the...

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Insuring a Leased Car

If you lease a car, you still need to buy your own auto insurance policy. The auto dealer or bank that is financing the car will require you to buy collision and comprehensive coverage. You will need to buy these...

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Directors & Officers Coverage

Directors and Officers Liability Insurance protects directors and officers of corporations or not-for-profit organizations if there is a lawsuit claiming they managed the business or organization without proper regard...

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Home-Based Businesses

Slightly more than half of U.S. businesses - 51.6 percent - were home-based, according to the 2007 Survey of Business Owners (SBO), conducted by the U.S. Census. Only 6.9 percent of these home-based respondent...

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Small Business Workshops

The IRS sponsors many workshops and events for small business owners. Find one in your state here: http://www.irs.gov/Businesses/Small-Businesses-&-Self-Employed/Small-Business-Tax-Workshops-and-Webinars

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Fire Prevention Week!

Second week in October is Fire Prevention Week! This year's Fire Prevention Week theme is "Working Smoke Alarms Save Lives: Test Yours Every Month". Fire Prevention Week is an annual campaign sponsored by the National...

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Nonprofit Organizations and Insurance

Like a business or a homeowner, a nonprofit organization needs to protect its property from loss from a fire, by theft and from many other hazards. Nonprofits can be lawsuit targets as well. Without insurance, a lawsuit...

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Fall Back! Sunday, Nov 2

Don't forget to set your clocks back 1 hour! Sunday November 2, 2014

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SIA adds AmTrust as another option!

Southern Insurance Associates is happy to announce another insurance company option for our clients; AmTrust Insurance. AmTrust North America provides workers' compensation and commercial package insurance to a wide...

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Business Offices-What do I need?

An office is the primary or only premises for numerous types of small businesses, including, for example, employment, travel, collection, insurance, advertising and other agencies. Electronic equipment and data are...

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Life Insurance For Key Employees

Who Is a Key Employee? - A key employee is someone whose knowledge and skills contribute significantly to your business income. Losing a key employee would most likely cause substantial negative financial consequences...

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Can I insure the life of a key employee?

The loss of a key person can be a major blow to a small business if that person is the key contact for customers and suppliers and the management of the business. Loss of the key person may also make the running of the...

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The 4 things homeowners misunderstand about flood insurance

1. "I don't have to worry about flooding because I don't live near a body of water." Although homeowners in Arizona may have thought the same thing, they were struck with historical flooding this summer. The Arizona...

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Avoid these five “start-up” mistakes when starting your business:

Nobody said starting a brand new business from the ground up would be easy. Seasoned and novice entrepreneurs alike will be all-too aware of the eventuality of encountering obstacles and pitfalls whilst both setting up...

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Lightning Coverage and Safety

Damage caused by lightning, such as fire, is covered by standard homeowners and business insurance policies. Some home and business insurance policies provide coverage for power surges that are the direct result of...

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Lightning Safety: Myths vs. Facts

With 1,800 thunderstorms in progress at any given time on Earth, it's important to be able to sort out the myths from the facts when it comes to lightning safety. And keep in mind that the best lightning safety plan of...

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Do I need to insure my household help?

If you hire household help, you will need to get the appropriate insurance coverage. The type of coverage depends on the nature of the employee's position. Contracting with an outside firm - If you need a nurse,...

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How can I build and maintain a good credit history?

Your proven ability to manage your money and meet your financial obligations is the basis of your credit score. The best way to build a solid credit score is to make a habit of always paying your bills on time in full...

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How do I pick an insurance company?

There are many insurance companies, so choosing between them can be a challenge. Here are the main points to keep in mind when selecting an insurance company: Licensing Not every company is licensed to operate in each...

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Five Insurance Mistakes to Avoid? And Still Save Money

We are all concerned with saving money and it is important to shop around when looking for insurance coverage. However, simply reducing your coverage or dropping important coverages altogether can leave you dangerously...

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How often should I review my policy?

There are four events that should trigger a review of your policy: 1. When your policy comes up for renewal Don't just automatically send a check to your insurance company. Take the time to review your coverage and call...

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Ten Questions to Help You Assess Changes to Your Insurance Needs

Family, Home, Career Status Should Be Reflected In Your Policy Coverage Our insurance needs change as circumstances in our lives change, which is why we recommend doing an annual insurance review. When you're reviewing...

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I'm installing a pool-what kind of insurance do I need?

Pools and Insurance - All pools-from a simple above-ground kiddy pool to an aquatic extravaganza-can be dangerous and need to be properly insured and comply with local safety standards. According to the Center for...

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Can I own a home without homeowners insurance?

Unlike driving a car, you can legally own a home without homeowners insurance. But, if you have bought your home and financed the purchase with a mortgage, your lender will most likely require you to get homeowners...

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Are there different types of policies?

Yes. A person who owns his or her home would have a different policy from someone who rents. Policies also differ on the amount of insurance coverage provided. The different types of homeowners policies are fairly...

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5 Tips for Organizing Your Home for the New School Year

Yes, it's already time to start thinking about school again. Getting a head start can pay big dividends for you and your kids as they head back to class. But, it's not just what they need for school that matters. It's...

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Home Buyers Insurance Checklist

Shopping for your dream house? There are many considerations when looking at real estate, such as property taxes, school district, available recreational opportunities in the neighborhood, to name a few. But an...

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What's the difference between cancellation and nonrenewal?

There is a big difference between an insurance company canceling a policy and choosing not to renew it. Insurance companies cannot cancel a policy that has been in force for more than 60 days except when: You fail to...

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Understanding Your Insurance Deductible

Understanding the role deductibles play when insuring a car or a home is an important part of getting the most out of your insurance policy. A deductible is basically the amount "deducted" from an insured loss....

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What Type of Insurance Do I Need If I?m Renting Out My Home?

There are many reasons why you might want to rent out your home on either a short- or long-term basis. Whether you own a second home that you plan to lease to a tenant, or want to rent out a room in your house...

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Trees and Insurance

If a tree falls and hits your house, are you covered? The short answer is, yes. The coverage is quite straightforward: if a tree hits a home or other insured structure, such as a detached garage, standard homeowners...

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What types of disasters are covered by my homeowners insurance?

Standard homeowners policies generally cover a wide range of potential disasters, from tornadoes and windstorms, to fire and lightning strikes, to winter storm damage caused by weight of ice and snow. Most homeowners...

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College and Credit: Tips for Managing Your Money

In these difficult economic times, many of today's college students are turning to credit cards to finance their college education, using them for everything from everyday necessities to books and tuition. Unfortunately,...

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What does my credit rating have to do with purchasing insurance?

Credit scores are based on an analysis of an individual's credit history. Insurers often generate a numerical ranking based on a person's credit history, known as an "insurance score," when underwriting and setting the...

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Coverage for Jewelry and Other Valuables

A standard homeowners policy includes coverage for jewelry and other precious items such as watches, furs, silver, guns, antiques and special collections. These items are covered for losses caused by all the perils...

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Do I need insurance for a child going away to college?

With computers, TVs, printers, PDAs and MP3 players being shipped off to school, it is more important than ever that students and their parents purchase the appropriate insurance protection. Theft can be a major concern...

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Getting the Right Insurance Coverage for Moving

Moving can be a stressful time-whether you're moving locally or out-of-state, on your own or with a moving company. But knowing you have the right insurance to protect your belongings can ease the stress, so here are...

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How much life insurance do I need?

In most cases, if you have no dependents and have enough money to pay your final expenses, you don't need any life insurance. If you want to create an inheritance or make a charitable contribution, buy enough life...

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Why should I buy life insurance?

Many financial experts consider life insurance to be the cornerstone of sound financial planning. It can be an important tool in the following situations: Replace income for dependents If people depend on your income,...

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Filing an Auto Insurance Claim: Five Steps

Filing an Auto Insurance Claim An auto accident is a terrible experience, but it's important to gather all the necessary information in order to be able file your claim. Here are five steps to follow to make the claims...

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SIA Adds another Option! Grange Insurance

Southern Insurance Associates is happy to welcome on another new carrier to our broad list of carriers we offer clients. Yet another choice on the menu! Grange Insurance is now offered at Southern Insurance Associates,...

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Many states have passed texting-while-driving laws, but are they working?

Drivers know not to text and drive, but they still do it. Now there is hard evidence that states with texting bans are saving lives. With more than 7 billion mobile subscriptions worldwide according to the International...

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Protection Against Mosquitoes

Protection against Mosquitoes, Ticks, & Other Insects & Arthropods - Roger S. Nasci, Emily Zielinski-Gutierrez, Robert A. Wirtz, William G. Brogdon Vaccines or chemoprophylactic drugs are available to protect...

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Employment Practices Liability Insurance???

Employment Practices Liability Insurance Law & Legal Definition - Employment practices liability (EPL) insurance is a type of coverage that protects businesses from the financial consequences associated with a...

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Businesses can cover exposure to sexual harassment claims

Businesses can cover exposure to sexual harassment claims - Provide examples Give examples of sexual harassment that put the definition into concrete terms. Enforce sanctions for policy violations Let your employees...

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What Employers look for in Background & Credit Checks

Why do employers want to check your background and/or your credit? It could be for one of several reasons. If government security clearances are required for the job you are interviewing for, an employment background...

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Insurance 101: Engagement Ring Insurance

Being newly engaged with an engagement ring to insure myself, I wanted to share how and why I insure my engagement ring and other personal jewelry. Putting a policy on your engagement ring may sound unromantic, but...

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Are You Covered if You Accidentally Damage Your Customer's Property?

For a majority of small businesses that provide services at a customer's residence (electricians, plumbers, painters, etc.), accidents sometimes happen when property is being moved in order to perform the work the...

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What Does Landlord Insurance Cover?

Landlord insurance provides several important types of coverage. Depending on the insurance company you work with and the options you choose, your policy may consist of some or all of these types of insurance: Property...

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Top 4 Wedding Insurance Claims of 2013

Don't let unexpected mishaps ruin a wedding day. A wedding has the potential for many unexpected mishaps, such as poor weather and cancellations. And with the average cost of a wedding now exceeding $25,000, couples...

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8 facts about credit cards and car rental insurance

Many credit cards offer car rental collision coverage as a perk. But what exactly is covered? - It's summertime, and peak season for vacationers and car rentals. Even though most standard auto insurance policies cover...

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Free Helpful Apps!!

Free Apps !! KNOW YOUR STUFF-Home Inventory Mobile App KNOW YOUR COVERAGE-helps you work out an insurance plan for your needs and budget KNOW YOUR PLAN-checklists to discover key mitigation and preparation steps to...

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Filing an Auto Insurance Claim: 5 Steps

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Got A Rash? Your IPad Could Be To Blame

CHICAGO (AP) -- Unexplained rash? Check your iPad. It turns out the popular tablet computer may contain nickel, one of the most common allergy-inducing metals. Recent reports in medical journals detail nickel allergies...

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Five Signs It's a Scam! MoneyGram Spotlights Fraud Education

Awareness Campaign Part of National Consumer Protection Week DALLAS--(BUSINESS WIRE)-- It's the phone call from a stranger who claims your relative is in trouble and needs cash or an email that says you've won a prize...

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What Is Professional Liability Insurance?

If you are looking for a professional liability insurance definition, you will find that it is slightly different depending upon your profession. For example, a private practice physician's professional liability...

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Atlanta Braves Firefighter Appreciation Day August 17, 2014

Join the Atlanta Braves August 17th for Firefighter Appreciation Day! All tickets purchased include a $5 donation to the Georgia Fallen Firefighter Foundation, T-shirt, and a pre-game parade around the field! Those...

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Understanding Umbrella Insurance Claims

Accidents can happen, even to careful people. When you are at fault for an accident, injury or property damage, your liability coverage can protect you. But what if your liability coverage is not enough to cover the...

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Celebrate National Night Out With Your Neighbors

In 1984, National Night Out - "America's Night Out Against Crime" - began as a way to promote crime prevention through neighborhood camaraderie. Since then, according to the National Association of Town Watch (NATW),...

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8 Home Security Tips You Never Thought Of

Your home is your sanctuary. It is a place where fond memories are made and relaxing evenings are spent after a busy day. Your home is a safe haven where you and your family most feel at ease. If your home is under-...

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Someone Fell off My Horse. Can They Sue Me?

Whether you own one horse or ten, chances are you've been asked by a friend or visitor to let them ride. While this seems like a friendly gesture, you may be opening yourself up to a potential lawsuit. Horses are...

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Community HealthCare Outreach Aug 28, 2014 @ Max Stoker Recreation Center

Community Healthcare Outreach (CHO) is making a big splash into summer with a new combined program by partnering with the Walker County School Nutrition Program. Come out and learn summer safety tips, sun safety, and a...

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The Pentagon Has a Zombie Apocalypse Plan. Here’s One for You.

Did you ever stop and think what might happen if the Zombie Apocalypse actually occurred? How would you protect your family? What would be left, if anything, when it was all over? The Pentagon has a plan in place,...

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Car Depreciation: How Much Have You Lost?

When people buy homes, they purchase them with the expectation that the value will rise over time, building equity. This is not the case with cars. These expensive purchases lose value over time, and the rate of loss...

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One Popular Childhood Prank Burns a Home to the Ground

If you've got teens in your life, it could happen to you. You wake up early in the morning and shuffle out to the porch, only to find your yard, trees, hedges, and rooftop covered in snowy white toilet paper. Add a good,...

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How to Compare Boat Insurance Companies

As a boat owner, you probably know all about properly caring for your boat, keeping your passengers safe, and finding the best spots to enjoy a day on the water. What you might not be as sure of is how to find the best...

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Is That Covered by Home Insurance? 5 Surprising Facts

Home insurance policies are designed to protect your personal property and provide reimbursement in the event of damage or loss. Yet, when a claim is filed, many people are surprised to find certain items are excluded...

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What Does Homeowners Insurance Cover?

Broadly speaking, insurance covers you for potential loss resulting from risks such as burglary or theft, severe storms, fire and also your personal liability. The specific risks you may face as a home owner could...

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Five Tips for Lowering Landlord Insurance Rates

Compare quotes with an independent agent in the Trusted Choice network, like AJaye Brown with Southern Insurance Associates, who can review policies and options available from multiple insurance companies. Ask Southern...

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Walker County CPR Class July 26, 2014

WCES will be presenting a community CPR class on Saturday, July 26, 2014 at Rock Spring United Methodist Church (on Highway 95) from 0900-1030 hours. This is a FREE class and is open to the public. To register for the...

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Movies in the Park featuring: The Lego Movie @ Joe Stock Park

The Downtown Development Authority is excited to present July's installment of Movies in the Park: The Lego Movie. The Lego Movie will be presented on Saturday, July 26, 2014 at Joe Stock Park at 9:00pm. This is a free...

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Community HealthCare Outreach July 24, 2014 @ Max Stoker Recreation Center

Community Healthcare Outreach (CHO) is making a big splash into summer with a new combined program by partnering with the Walker County School Nutrition Program. Come out and learn summer safety tips, sun safety, and a...

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Landlord Insurance Protects You from Loss

Cover Your Investment When Renting Your House, Condo or Apartment Property investors who lease homes, condos and apartments to tenants often purchase landlord insurance to protect those investments. If you are a new...

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Catoosa County home invasion has increased patrols

CATOOSA COUNTY, GA - The Catoosa County Sheriff's Office is investigating two burglaries reported in the past two days, both with similar suspect descriptions. The first burglary was reported Monday on May Street in...

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Malpractice Coverage 101 for Therapists

Caring for people means you face the risk of liability claims, whether you provide counseling or psychotherapy. Insurance for therapists, such as psychologist malpractice insurance, can protect your practice from...

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Room By Room-Your Valuables Values

The number of renters has grown dramatically in some of the most populous U.S. cities, according to the Insurance Information Institute (III), but few have insurance. Only 37% of renters are covered, whereas 95% of...

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Who Needs Professional Liability Insurance?

This form of business insurance appears under a variety of names because of the many different types of professions that need this type of coverage. Anyone from a home remodeler to a heart surgeon should consider...

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Tax-free shopping dates for Tennessee, Georgia, Alabama

CHATTANOOGA (WRCB ) - You have a chance to shop without paying sales tax on clothing as well school and office supplies in Tennessee. The State of Tennessee has announced its Annual Sales Tax Holiday begins at 12:01 a.m...

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A real 'Ace': Dog hailed as hero for alerting sleeping deaf boy to fire

Indianapolis (AP) -- A dog named Ace is being hailed as a hero for licking the face of a sleeping, deaf 13-year-old Indianapolis boy to alert him that the house was on fire. Indianapolis Fire Department Capt. Rita Reith...

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What is Umbrella Insurance?

Umbrella Insurance Policies Provide Extra Protection A rain umbrella protects you from getting wet, but doesn't stop the raindrops from falling. Umbrella liability insurance is similar in that it cannot prevent...

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Comcast Apologizes For 'Unacceptable' Customer Service Call

By Susanna Kim, Good Morning America Whatever happened to the old saying, "the customer is always right"? Comcast issued an apology today after one of its representatives kept a customer captive on the phone for about...

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Home Invasion In Catoosa County

Authorities in Catoosa County are on the hunt for two men Wednesday afternoon who they say robbed a homeowner at gunpoint on Tuesday. Tuesday morning between 10 & 11 a.m. at a home on Grant Drive in Ringgold, a...

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Top Risks Businesses Face

Property damage from fire, storms and accidents Liability in many forms, including product liability, accident/injury liability, libel, malpractice and professional liability or "errors and omissions" risks Fraud,...

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3 Ways Ligthning Enters Homes

After last nights major lightning activity, it was really on my mind about lightning and safety. I found the following and wanted to share it with you guys: A house or other substantial building offers the best...

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Do You Need Commercial Vehicle Insurance?

In some cases, it is obvious that you need a commercial vehicle policy. For example, if you have a delivery service, limousine service, or a restaurant that delivers food, you know for certain that your business takes...

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Petition looks to address child deaths in hot cars

ATLANTA (AP) - The Georgia Trial Lawyers Association and KidsAndCars.org are partnering to petition the White House to authorize research technologies that could prevent children from being left in hot cars. Officials...

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LaFayette City Pool open until Aug 10

Get your swimming in before it ends! LaFayette City Pool is open until August 10, 2014 Admission $4 per person (3& Under Free) Concession Stand at Pool Mon-Sat 12:00pm-6pm Sunday 1:00pm-6pm Late Dippers: Tues &...

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Worksite RX Employee Clinic

The City of Lafayette & Walker County are joining to forces to provide medical care while saving on costs by combining services for their employees. Beginning Tuesday, July 1st, 2014: Worksite Rx will be offering...

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Johnny Cash Library Fundraiser Aug 13

Lafayette/ Walker Library is doing a fundraiser for the children's group of the library. As most of you know Johnny Cash played a benefit concert in Lafayette in August 1970, and this reimagined poster helps to...

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Audia International expands Walker County project before groundbreaking

The first shovel full of dirt has yet to be turned at Walker County's newest industrial park, but already Audia International, the site's major tenant, is looking to expand its manufacturing and warehousing operations....

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Major Volkswagen Chattanooga Expansion Announced, 2,000 New Jobs

Tennessee Gov. Bill Haslam and Volkswagen Group of America officials announced today the company will expand its sole U.S. manufacturing facility in Chattanooga, Tennessee. Volkswagen will add an additional...

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VOLKSWAGEN CHATTANOOGA NEWS CONFERENCE FROM GERMANY


Who Needs Commercial Vehicle Insurance?

Freight companies and other businesses that use commercial trucks Independent contractors who drive during the course of doing business Any business that makes deliveries or transports goods Limo services, taxi services,...

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What Does Boat Insurance Cover?

Your boat insurance policy may include the following: Collision damage: Includes repair or replacement of your boat, but may or may not include clean-up of wreckage unless you purchase optional additional coverage. ...

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What Is Dune Buggy Insurance and How Do You Find It?

If you are an outdoor enthusiast who likes to blast your way across rough terrain, you may be in the market for an all-terrain vehicle. If you like sand or beaches as your off-road surface of choice, then you're...

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Make Recycling and Reducing Routine

"Reduce, reuse, recycle." Most likely, you've heard that catchy phrase connected with information about saving natural resources and even saving your family money. But how many of us really make reducing, reusing and...

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7 Ways to Save on RV Insurance

How to Find RV Insurance Discounts and Deals Whether you are a full-time RVer or you only use your motorhome for short trips, you are probably wondering how you can get affordable coverage that protects your investment....

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Irrecoverable Property Loss? The IRS Could Be Your Friend

Having been through a total loss personally, owner of Southern Insurance Associates, LLC of LaFayette, GA, AJaye Brown knows a thing or two about the claims process. Even though we are big fans of insurance and its...

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What is a Flood?

Anywhere it rains, it can flood. A flood is a general and temporary condition where two or more acres of normally dry land or two or more properties are inundated by water or mudflow. Many conditions can result in a...

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Notable Omissions/Limitations in Your Home Insurance Policy

Do you know what types of losses your home insurance policy will cover? Perhaps more important, do you know what types of commonly occurring losses it will not cover? Knowing the limitations in your policy is the first...

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Bluff Trail Re-Opened on Lookout Mountain Battlefield

Chickamauga and Chattanooga National Military Park is advising a portion of the Bluff Trail that was closed on February 10, 2014 is now open for public use. The park in partnership with Wild Trails developed a project...

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Battlefield Farmers Market back in LaFayette

Monday's Market are back in La Fayette for 9 weeks only. The Monday Market's will run from June 30th until August 25th. Hours are 3:00 PM until 6:00 PM. We've moved over to the La Fayette Housing Authority's back...

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Cyber Attacks: Protecting Your Small Business from Data Theft

Recently cyber-attacks were back in the news, and the latest attempted victim was the White House. According to an October 1st report from the Washington Post the White House acknowledged that hackers attempted to...

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New Development, New Flood Risk

Floods are often associated with rivers and streams overrunning their banks, or with heavy rains from hurricanes and other major storms, and while those are very real hazards, the reality is that flooding can be caused...

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Fourth of July Fireworks: Beautiful, Patriotic… and Dangerous

According to the US Consumer Product Safety Commission, 60% of all fireworks injuries occur around July 4th. While these loud bursts of light and color add flair to celebrations, it should be remembered that fireworks...

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First Friday’s! @ Mars Theater District

First Friday's will be held on the 1st Friday night of every month in the Mars Theater District from 5pm-7pm. This is a free event to the public, come experience art, shopping, dining & music right here in your...

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Fireworks at Lake Winnie!

Thursday, July 03, 2014 10:00PM & Friday, July 04, 2014 10:00PM Lake Winnie lights up the night sky beginning at 10PM with our spectacular fireworks display! Source: Lake Winnie

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Downside of Online: Cyber Crime & Stolen Data

How safe is private information when stored electronically? You may not want to know the answer to that question. But if you're just a bit curious, consider visiting privacyrights.org/data-breach. The site allows you to...

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Safety with Fireworks

Southern Insurance Associates of LaFayette, GA care about your safety and we've found a few tips to help keep your family safe. Fireworks are synonymous with our celebration of Independence Day. Yet, the thrill of...

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Condos: Easy Living, Tough Insurance

Do you own a condominium? To you, condo ownership may represent a feasible way to home ownership. Or maybe it represents a second residence in some exotic location you like to visit. Or maybe it's an investment to...

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What You Need to Know About Shady Home Contractors, Remodeling & Hiring Day Laborers

Ah, summertime, and the living is easy. Perfect for sitting in the shade out back with a cold drink. You may even decide this is the perfect time to finally add that deck, enlarge the patio for cookouts, or put in that...

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Movies Under the Stars featuring: Despicable Me 2

La Fayette Downtown Development Authority will be showing Despicable Me 2 June 28, 2014 9:00pm-11:30pm at Joe Stock Memorial Park at 208 North Main Street, LaFayette, GA 30728. Admission is free. Concessions available...

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Freedom Festival 2014 @ City of LaFayette Municipal Park

This year's Freedom Festival will be held on Friday, June 27, 2014 at Lafayette Municipal Park located at 638 S. Main Street, Lafayette, GA 30728. This is a free event for the whole family, with live entertainment, over...

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Community HealthCare Outreach June 26, 2014 @ Max Stoker Recreation Center

Community Healthcare Outreach (CHO) is making a big splash into summer with a new combined program by partnering with the Walker County School Nutrition Program. Come out and learn summer safety tips, sun safety, and a...

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DOGS & INSURANCE: The bite is worse than the bark

You don't have to search far to find a story about the numerous dog bite incidents that happen in the country each year. While our cuddly companions are often considered a member of the family, they may not be as...

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Classic Car Maintenance for Show Season

It's almost spring, and for classic car enthusiasts across the U.S., that means car show season is upon us. If you winterized and stored a pristine vehicle for the off-season, you may have very little maintenance to...

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Wedding Season: Protect your happily ever after

You've picked out the table linen, found your dream venue, and figured out a way to seat all of your family members in one room without them strangling one another-it must be time for your wedding! Family conflicts...

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COLLEGE BOUND

After a long day of work, you check the mailbox and see the letter your family has been waiting to receive for weeks. The letter is from one of the colleges your child has applied for, and it feels heavier than the...

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Protect Your Most Cherished Possessions

If you're like most people, there are certain items you own that you can't imagine ever losing - possessions you deeply cherish or those that would be impossible to replace due to the cost of re-purchasing them or...

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Keep Water from Going Where it Shouldn't

One of the most disheartening experiences is to find flooding or extreme water damage to your treasured home. At Southern Insurance, we know you want to protect what's important. That's why we're offering these tips to...

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A Little Extra Caution Can Go a Long Way While Driving at Night

While fall and winter have their own pleasures, longer nights mean increased danger on the roads. You might think you drive just as well at night, but consider this: Even though nighttime driving accounts for just 23%...

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Home Security Tips

Everyone wants to keep their home safe from burglars or intruders, but not everyone wants to have an alarm system installed. There are plenty of people who prefer the do-it-yourself route, whether it's home improvement...

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Five Sure-Fire Ways to Get Your Car Stolen

Most people would say their car is one of the most valuable assets they own – if not the most valuable. Despite that, however, some people make it downright easy for thieves to drive off in their pride and joy. At...

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Protect Your Family From the "Silent Killer"

Carbon monoxide is an odorless, colorless, invisible gas that results when certain fuels do not burn completely. And it can be deadly. That's why it's important to know how to prevent it, detect it, and protect yourself...

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