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All You Ever Wanted to Know About Insurance

Infographic: Benefits of buying insurance with an independent agent

Buying insurance on your own can be like climbing a mountain without an experienced mountaineer to help you get to the top. If your car is hit by someone with minimal or even zero car insurance, do you want your auto...

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Flood Facts

WARNING: How FloodSmart are YOU? Floods are the #1 natural disaster in the United States. Why Care About Flooding Floods are the most common natural disaster in the United States. From 2003 to 2012, total flood...

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Flood can Happen Anywhere to Anyone

Everyone is at Risk - Flooding happens every day in all regions of the country. Consumers must prepare for flooding no matter where they live. The Northeast can be affected by remnants of tropical disturbances in the...

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Be a Responsible Dog Owner


Dog Bite Liability

THE TOPIC - MAY 2015 Sixty-eight percent of U.S. households, or 83.3 million homes, own a pet, according to a 2013/2014 survey from by the American Pet Products Association. According to the Centers for Disease Control...

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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 and furs. These items are covered for losses caused by all the perils included in your policy such as fire, windstorm,...

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Thrifty Security: Burglar-Proof Your Home for the Holidays

It's not unusual, when you set out on that holiday trip, to look back at the house a little nervously. Sure, you remembered to lock the doors, but just how secure are things? What might happen while you're away?One way...

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What Is Umbrella Liability?

If you are ever sued, your standard homeowners or auto policy will provide you with some liability coverage, paying for judgements against you and your attorney's fees, up to a limit set in the policy. However, in our...

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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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What is a beneficiary?

A beneficiary is the person or entity you name in a life insurance policy to receive the death benefit. You can name: One person Two or more people The trustee of a trust you've set up A charity Your estate If you don't...

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Why should I purchase permanent insurance?

A permanent life policy provides lifelong insurance protection. The policy pays a death benefit if you die tomorrow or if you live to be a hundred. There is also a savings element that will grow on a tax-deferred basis...

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How is life insurance sold?

You can buy life insurance either as an "individual" or as part of a "group" plan. Individual Policy - When you buy an individual policy, you choose the company, the plan, and the benefits and features that are right...

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Insuring a Vacation Home

SPECIAL HOMEOWNERS INSURANCE PROTECTION A vacation home can be a wonderful luxury and sometimes even a good investment, but there are some important factors to consider before making the leap into second-home ownership-...

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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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Safe, Secure Shopping: Tips for Black Friday

It's become almost as much a part of Thanksgiving as turkey and football: Black Friday, the morning-after (or in some cases evening-after) shopping spree. It's the biggest shopping day of the year, an event in its own...

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What is ?burial insurance??

"Burial insurance" usually refers to a whole life insurance policy with a death benefit of from $5,000 to $25,000. As its nickname implies, people buy this type of policy to provide money for funeral and burial costs...

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What are the principal types of life insurance?

There are two major types of life insurance-term and whole life. Whole life is sometimes called permanent life insurance, and it encompasses several subcategories, including traditional whole life, universal life,...

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Cyber Liability Risks

PROTECTING YOUR BUSINESS FROM LIABILITY ISSUES In recent years, there have been an increasing number of costly computer hacking attacks against large companies, such as Target and Home Depot. But smaller companies face...

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Does My Business Need Earthquake Insurance?

BUSINESS INSURANCE Q&A Though rare in many areas of the country, earthquakes can be highly destructive. Commercial property insurance covers some natural events, such as wind damage, but you must purchase separate...

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Protecting Your Business Against Contingent Business Interruption and Supply Chain Disruption

BUSINESS INSURANCE IN DEPTH In today's global marketplace, more and more businesses rely on overseas suppliers. If your company's operations depend on the timely delivery of raw materials, parts or finished products...

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Insuring Your Home-Based Business

Whether you're running a part-time, seasonal or full-time business from your home, you'll want to carefully consider your risks and insurance needs. Starting a business-even at home-can be a challenging venture, and...

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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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Your Home Maintenance Checklist for Fall

Fall brings more than just changing leaves and shorter days. In many areas, it also comes with a shift in weather conditions that can have a serious impact on your home. And, don’t forget, winter is right around the...

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The i's on Life Insurance: Life Insurance

Life insurance is a vital part of your family's financial stability and well-being. But if you're like most people, you probably have questions about what types and amounts of life insurance are best for your needs....

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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 process easier and quicker.

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4 Ways to Help All Children Have a Great School Year

It's back-to-school time, and, if you have school-age children, your household is likely bustling with activity and filling up with books and backpacks. There are other households and school districts in your community,...

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All shook up for Earthquake Coverage

Earthquakes are unpredictable, but given the geologic settings in the Southeast, the United States Geological Survey estimates strong magnitude earthquakes are a possibility. Many homeowner policies do not cover...

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6 Home Repairs NOT to Avoid

6 house repairs to tackle: The price of neglect In this economy, you may be tempted to delay or even skip minor home maintenance repairs, cleaning jobs and inspections in your home. But don't be penny-wise and dollar-...

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Keep Cool While Keeping Your Energy Costs Down

Two thirds of households in America have air conditioners, according to the U.S. Department of Energy — and they spend a total of $11 billion each year running them. Our guess is that most of those households (which may...

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Lawn Mower Safety

Lawn mowers are a common piece of equipment in many homes, but these machines can be dangerous. Following a few simple guidelines can help ensure your safety. Spokespersons: Dr. Till Jolley, Emergency Room Physician; Dr....

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Tips for a Safe Fourth of July — From Food to Fireworks

Memorial Day might be the unofficial start of summer, but Independence Day is when the season truly kicks into high gear. July 4 is a holiday that has something for everyone, whether you like to host (or attend)...

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Proper Home Maintenance: Preventing Losses

Properly maintaining your home is an important responsibility and will save you money through the years. Homeowners insurance does not cover you for "everyday mishaps" that you could have prevented. Find out ways to...

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Be a Responsible Dog Owner

Dogs may be man's best friend, but as an owner you are liable if your pet bites or attacks another person or animal. A well-trained dog is the best way of protecting yourself, and those around you. Spokespersons: Chuch...

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Protect Your Home Against Mold

Mold comes in thousands of varieties and can thrive in a damp home. Learn the basics of protecting yourself from this microscopic home invader. Contact Southern Insurance Associates at 706-996-8788 or Info [at]...

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Georgia Hurricane Insurance: Fact File

JULY 2014 - Four of the ten most costly hurricanes to hit the United States caused insured property damage in Georgia: Hurricane Katrina in 2005; Hurricane Ivan in 2004, Hurricane Hugo in 1989, and Hurricane Frances in...

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Commuting by Bike: How to Get to the Office on Two Wheels

There are plenty of great reasons to bike to work: Commuters who ride save money on gas and car insurance, stay fit and help the environment (they don’t get stuck in traffic, either). And they even have fun — as long as...

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Protecting Your Roof from Hail

Hail can be as large as five inches in diameter and rain down on your roof at speeds around 90 mph. Learn how to protect your home from these ice bullets. Spokespersons: Scott Morrison, Haag Engineering; Harvey Ryland,...

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Swimming Pool Safety

Swimming pools are fun, but also potentially dangerous to young children. Learn ways to keep your loved ones safe. Spokespersons: Nadina Riggsby, Parent; Madelyn Flannigan, Independent Insurance Agents of America. ...

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College Students and Credit

College life can be expensive, and for many freshmen the first time they are responsible for their own finances. Students should develop responsible credit card and bill paying habits early on, to avoid trouble later....

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Test Your Insurance IQ: Travel Insurance

Vacations are precious escapes, but they can also be expensive and subject to disaster. Travel insurance can provide some useful protection-find out whether it's right for you. Contact Southern Insurance Associates at...

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What is Long-term Care Insurance?

Due to old age, mental or physical illness, or injury, some people find themselves in need of help with the basics actions of everyday life. Long-term care insurance covers you for this and lifts the burden of care from...

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Boat Theft

More than 1,000 boats are stolen every month. If you are a boat owner, learn some easy and effective ways to protect your craft from theft. Spokespersons: Robert Bryant, National Insurance Crime Bureau; Lt. Lee Polfray,...

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Caring for Aging Parents

The time is now to talk to your parents about how they want to be cared for at the end of their lives. If you're not sure when or where to start, this is a really great read. http://j.mp/1bHeMpd

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10 most common business claims

Make sure your business is covered against these 10 most common and costliest claims. 40% of small businesses will sustain a claim within 10 years! http://j.mp/1zRM3Uw

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Wedding Insurance

Wedding season is here and while every bride dreams of the perfect day, very few think about what could possibly go wrong. These five wedding day mishaps are covered! http://j.mp/1bHeUoG

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electronic Car Theifs?

What do you know - Old car keys do have their benefits. A $17 device is giving thieves instant access to cars that use wireless fobs instead of traditional keys. http://j.mp/1G4xhMu

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Travel tips with your Pet

Vacations are a lot more fun if you share them with your best friend! If you plan to take your dog with you, careful planning and safety precautions will make travel more enjoyable for both of you. http://j.mp/1G4xyPf

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Does your family have a disaster plan?

Does your family have a disaster plan? FEMA's Ready Kids Program gets the whole family involved in preparation. http://www.ready.gov/kids

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Hurricane season starts June 1. Are you prepared?

Hurricane season starts June 1. Are you prepared? Check out these free mobile apps. http://www.iii.org/apps-and-software Don't think that just becuase you don't live on the coast hurricane's don't effect you.

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Be ready for anything, build an emergency kit!

Be ready for anything, build an emergency kit! Check out this list of recommended items: http://www.ready.gov/kit

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Motorcycle helmet safety

The National Highway Traffic Safety Administration estimates that proper use of motorcycle helmets reduces brain injury risk by 67%. Here's what to look for in a helmet: http://j.mp/1bbCMQJ. Contact Southern Insurance...

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Stay safe while riding your motorcycle.

Stay safe while riding your motorcycle. The Motorcycle Safety Foundation is a good source for finding courses near you: https://j.mp/1mHqOio. Contact Southern Insurance Associates for a quote or review of your...

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Spring is here and that means it's time to prepare your motorcycle.

Spring is here and that means it's time to prepare your motorcycle. However, getting your bike ready for the road in spring is much more than a quick kick of the tires. Here's a good to-do list: http://j.mp/1hUHse0....

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Getting Your Boat Out of Storage and Into the Water

Spring is here, and you’re ready to get out on the water. But is your boat ready? Even if you’ve kept it properly stored for the winter and protected from the elements, there are still a number of things you need to do...

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Bicycle Safety and Insurance

Bicycling is increasingly popular, both as a sport and as a means of transportation. And bicycles can cost anywhere from several hundred dollars for a basic bike to thousands of dollars for specialized racing bikes....

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Credit-Based Insurance Scores: Understanding the Connection

A good credit rating can mean paying lower premiums on your insurance. Learn how credit-based insurance scores work. Spokespersons: Lamont Boyd, Fair, Isaac & Co.; Susan Grant, National Consumers League; P.J....

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Finding a Lost Life Insurance Policy

Trying to locate a missing life insurance policy? Valuable tips on how to track down this important document. Contact Southern Insurance Associates at 706-996-8788 or Info [at] SouthernInsuranceAssociates [dot] com for...

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Hidden Hazards In Your Home

Falling down stairs, slipping on rugs, choking on fumes-these hazards in a typical home result in thousands of deaths each year. Learn how to minimize the risks and keep your home safe. Spokespersons: Steve Brobeck,...

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Spring Into Home Maintenance Mode in Georgia

Spring is a time for rejuvenation, and, as the weather gets warmer here in La Fayette, Georgia, and the days grow longer, there's a positive energy in the air. Many people decide it's the perfect time for reorganizing...

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State-by-State motorcycle Laws

To help you ride safely wherever you go-on or off-road-here's an interactive map of motorcycle laws for all 50 states. Taking a trip? Unsure about the laws in your home state? Search the AMA database of on and off-road...

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Tornado Safety Tips

Be prepared for severe weather before it hits. Do you know where to seek shelter during a tornado? Learn what to do before, during & after a tornado below. If agency owner AJaye Brown knows one thing, it's surviving...

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Safe Spring Cleaning

Keep your home clean and your family out of harm's way with these tips for the safe and effective use of cleaning products. Whether you're tackling a big spring cleaning project or just going about your weekly cleaning...

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Eight Auto Insurance Myths

When purchasing car insurance, it's important to understand the factors that affect your car insurance premium rates and coverage. But how do you differentiate between truth and fiction? A good place to start is by...

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Air Bags: Potential Dangers to Your Children

Air bags save lives and prevent injuries, but they can also be deadly to young children and infants. Learn ways to eliminate these risks and keep your family safe. Spokespersons: Dr. Till Jolley, Emergency Room...

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Prom Season: Protecting Teens from Drunk Driving

Teenage auto accidents peak during prom season. Educate your kids to make sure this memorable night has a happy ending for everyone. Contact Southern Insurance Associates at 706-996-8788 or Info [at]...

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Test Your Insurance IQ: Life Insurance

Do you know the difference between Term and Whole life insurance? Permanent versus Variable policies? Make sure you understand the basics about life insurance. Contact Southern Insurance Associates at 706-996-8788 or...

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Protecting Your Home Business

Owners of in-home businesses should have adequate insurance coverage. Find out how to protect your business and employees when working out of your home. Spokespersons: Ginger Polansky, Business Owner; Karen Stallings,...

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How to Create Your First Garden This Spring

From genetically modified crops to the environmental and health effects of pesticides, more and more Georgia residents are questioning whether they should grow what they eat. Wherever you stand on the issues surrounding...

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Wedding Insurance

The most magical day of your life warrants a re-evaluation of your insurance needs. Learn how to get coverage for the big day and plan for a bright future with your honey. Spokespersons: Carol Marino, Wedding Consultant;...

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Snow, ice and frozen pipes: Are you covered? The 6 things every homeowner needs to know

With most of the United States in a deep freeze and record breaking snow totals in New England, homeowners are beginning to feel like the residents of the fictional kingdom of Arendelle, stuck in eternal winter, as in...

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AAA study says drivers still practice dangerous behaviors behind the wheel

As drivers, we know what's expected when it comes to safe driving habits ... apparently we just choose not to act on them. A recent study by the AAA Foundation for Traffic Safety found that while drivers know what safe...

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Driving With Trucks

Sharing the road with large, heavy trucks can be dangerous, but knowing a few simple facts can keep you and your car safe. Contact Southern Insurance Associates at 706-996-8788 or Info [at] SouthernInsuranceAssociates [...

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Preventing Mold During the Cold Months

For Business owners and property managers, foreseeing major disasters like fires, storms, or earthquakes is easy enough. In fact, many even combat such disasters by taking preventative measures in the forms of insurance,...

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Deep Freeze Coming

Over the next 48 hours we will be experiencing deep freezing temperatures. These conditions will put a strain on exposed pipes and even covered pipes with the extended time below freezing. Perhaps you're stuck home with...

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Car Breakdown Safety

Breaking down on a busy road can be dangerous and every year people are hurt or even killed while repairing their cars or waiting for assistance. Follow these simple guidelines to prevent such roadside risks....

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I'm a New Motorcycle Owner: What Are My Insurance Options?

Purchasing a motorcycle can be a dream come true. You've covered all your bases, finding just the right bike with the perfect features, and your mind is filled with visions of cruising the open road. There's one more...

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Trampolines & Tree Houses: Are They Covered?

Sure, they're fun. What child doesn't like to bounce out in the sun or perch in a miniature home high above the ground? But before you turn the kids loose, it's important to understand that trampolines and tree houses...

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Building a Safe Tree House

- A tree house is the perfect getaway for kids. But just the idea of a "way up there" tree house can make parents a little nervous. With these suggestions, you'll learn how to build a safe tree house. - A Safe Tree...

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Uninsured Motorists: Threats on the Road

Drivers with no auto insurance coverage are more common than you think. And unless your own policy protects you, getting involved in an accident with an uninsured motorist will cost you. Contact Southern Insurance...

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Helping Seniors Have a Wonderful Winter

Slippery sidewalks. Freezing temperatures. Power outages. Winter isn't always a wonderland. If you regularly lend a hand to a senior friend or family member here in Georgia, it may be a good time of the year to provide...

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Steps to Take After an Auto Accident

There are over six million auto accidents every year and taking the right steps after an accident is vital. Learn what you should do if you get involved in an accident. Spokespersons: Corporal Rob Maroney, Maryland...

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Replacement Auto Parts

Generic replacement auto parts can look and perform the same as the products produced by the original auto companies, but cost 25-40 percent less. These parts can help the consumer by keeping prices down. Contact...

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Seinfield-The Chip Dip

Throw a penalty flag if you see someone pulling a George Costanza and double-dipping at your Super Bowl party! http://youtu.be/RfprRZQxWps Enjoy your superbowl parties!

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Spring is coming to Georgia! (Depending on that groundhog)

With Groundhog Day just around the corner, it's time to start thinking about spring. (Or time to at least hope that springtime is coming, anyway.) And whether Punxsutawney Phil or the local groundhog sees his shadow or...

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Understanding Rental Car Insurance

Know what kinds of insurance you really need before you ever walk up to the rental car counter. I.I.I. breaks down the various types of coverage so you make the safest and wisest choice. Contact Southern Insurance...

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Smart Auto Insurance Tips

Kirk has an auto accident and Crystal tells him how to smartly save money on his insurance in the future. Contact Southern Insurance Associates at 706-996-8788 or Info [at] SouthernInsuranceAssociates [dot] com for a...

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Know Your Stuff - Taking Home Inventory

Having a full inventory of personal belongings will help the claims process go smoother if possessions are damaged from a burst pipe or any other disaster. The video posted by the I.I.I. will you give you tops on how to...

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Tips for Surviving Severe Cold Weather

Much of the country periodically experiences severe and sustained cold weather, with snowfalls interspersed with periods of melting and freezing. This can inflict considerable damage on homes. Here are some tips and...

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Rental Car Insurance: Tips on What You Need to Know at the Counter

Rental car insurance can be confusing and frustrating. Learn what you need to do before you ever step foot in a rental car office. Contact Southern Insurance Associates at 706-996-8788 or Info [at]...

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The Right Tires for Winter Driving

It's easy to forget about your tires when it comes to vehicle safety. But with winter weather already in many parts of the country, tires are an important aspect you should keep in mind. Your tires can be the difference...

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The 10 Best Post-Workout Foods

Start out 2015 the healthy way! Here are 10 of the best post-workout foods. http://j.mp/1tMgL46

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Top 4 Energy Department Inventions Saving You Energy & Money at Home

1 of 4 Loose-Fill Fiberglass Insulation - In 1992, private insulation manufacturer Energy Savings Solutions, Inc., reached out to Oak Ridge National Laboratory to find ways to improve loose-fill fiberglass insulation....

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Tips: Sealing Air Leaks

Sources of air leaks in your home. Areas that leak air into and out of your home cost you a lot of money. The areas listed in the illustration are the most common sources of air leaks. Air leaks can waste a lot of your...

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Energy Saver Guide: Tips on Saving Energy at Home

Energy Saver provides homeowners with tips for saving money and energy at home and on the road. By following just a few of the simple tips here in the Energy Saver guide section of the website, you can make your home...

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Keurig Recall

NEW YORK (CNNMoney) Keurig is recalling 6.6 million of its popular coffee makers after receiving "90 reports of burn-related injuries." - "Hot liquid could escape from certain MINI Plus Brewing System units during use,"...

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Baby it's Cold Outside!!!--Preventing & Thawing Frozen Pipes

Baby it's cold outside! And your home's pipes are singing the same, sad tune. It's cold and pipes are being exposed to below-freezing temperatures face one sad, sad fate. Being prepared and informed may help you to...

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Test Your Insurance IQ: Auto Insurance

How much do you really know about auto insurance? What does "premium" and "deductible" mean? What is "comprehensive" coverage for? Test your knowledge by watching this video. Contact Southern Insurance Associates at 706-...

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