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Southern Insurance Associates Blog

All You Ever Wanted to Know About Insurance

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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