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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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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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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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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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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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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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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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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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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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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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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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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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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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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"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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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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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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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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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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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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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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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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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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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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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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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 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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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 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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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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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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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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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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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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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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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 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 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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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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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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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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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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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 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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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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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? 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? 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! Check out this list of recommended items: http://www.ready.gov/kit

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

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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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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 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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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! 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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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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