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Southern Insurance Associates Blog

All You Ever Wanted to Know About Insurance

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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