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Southern Insurance Associates Blog

All You Ever Wanted to Know About Insurance

Why Today’s Homes Burn Faster

From building materials to furnishings, many of the things in your home likely aren’t as flame-resistant as those from yesteryear. A fire in a modern home is a “perfect storm,” according to safety consulting and...

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Umbrella Cheat Sheet

Quick way to know what a personal umbrella really does!Contact us today at Southern Insurance Associates at 706-996-8788 or Info [at] SouthernInsuranceAssociates [dot] com to discuss your personal umbrella insurance...

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Just a Quick Text

Ashley and her BFF were heading out to meet their college friends for dinner, but they couldn't remember what time they were suppose to meet. Ashley sent a quick to check. With her eyes on her phone instead of the road,...

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How to Lower Your Auto Insurance Bill

It’s easy to lower your insurance costs - especially if you have a great driving record, or don’t mind having higher deductibles. Who doesn’t want to pay less for car insurance? Billions of dollars are spent on ad...

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Fill the Gaps with an Umbrella

An umbrella offers a cushion of protection above and beyond auto limits by covering lost wages, pain and suffering, emotional distress, essential medical care, co-pays and deductibles - and it costs just a tiny fraction...

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Minimum Coverage, Maximum Risk

Ian carried state minimum for personal auto liability insurance thinking that it was plenty. But when he accidentally struck Jackie, an aircraft mechanic, on her bike, they both would find out how costly this choice...

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Parents Liable for Halloween Prank

Parents Liable for Halloween Prank Zack found leftover Fourth of July fireworks in the garage just in time for Halloween. He couldn't wait to tell his friend, Fletcher. While their parents were soundly asleep, the pair...

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Swimming Pool Deaths highlight overlooked insurance need

We all know the dangers that lurk around swimming pools and encourage our insureds to do their very best to protect themselves and their loved ones. Sadly, even with the recommended safety precautions, like proper...

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Halloween is Unpredictable

On average, twice as many children are killed while walking on Halloween. Today is the day to share the dangers of the road - and its drivers - excess UM/UIM, a smart option that can be added quickly and easily. REAL...

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Think you don't need Excess Uninsured Motorists?? Think again.

Early in 2015, Caitlyn Jenner was involved in a fatal multi-vehicle that resulted in two lawsuits against her: one for wrongful death by the family of the woman who died in the crash, and a second lawsuit for property...

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Have a Safe & Happy Halloween!

HALLOWEEN SAFETY: It’s a night of fun for kids and adults in LaFayette. But a number of factors including people walking in the dark, the threat of bad weather and strangers coming to our door mean that Halloween can...

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Do You Need Umbrella Insurance?

One of the most certain things in life is uncertainty. Your dog could bite the neighbor’s kid. Your teen driver could hit a cyclist. A guest could fall down your stairs. A rainy morning commute on worn-out tires could...

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Three Ways a Pool May Affect Your Homeowners Insurance

That oh-so-covetable experience of taking a dip in your very own pool? Millions of American households enjoy it, at least when the weather’s nice. With the summer heat ratcheting up, you may be coming down with a...

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Easy to Forget Cleaning Projects

As a busy homeowner, it's easy to fall into the trap of pushing off tasks that maintain the long-term value of your home in favor of more pressing problems. That’s OK, to a point, as certain house-cleaning projects...

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Heavy Rain? Be on the Lookout for Heavy Damage

Your home protects you from the elements, but heavy rains can weaken that protection. With a little maintenance and a lot of vigilance, it’s not hard to stay safe and dry. Spring rainstorms are a fact of life in many...

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Want a Safer Home? Consider these Inexpensive Fixes

Home improvement: It’s a never-ending process for many people, and for those of us who aren’t necessarily handy, it can be a hassle, too. But there are plenty of simple maintenance tasks and other improvements you can...

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Help Your Dog Love Apartment Living

Apartment living can have many advantages: low maintenance, close to work and entertainment, and ease of changing residence. But, if you’re a dog owner, apartment living can present some difficulties. You probably won’t...

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Love Bites – Get Umbrella Coverage

In today’s economy, everyone is pinching pennies. So why worry about umbrella coverage? Shouldn’t a home and auto policy leave you adequately covered? Unfortunately, we live in a world of lawsuits. Large damages can be...

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Data Compromise & Cyber Liability

Think your business doesn't need it? Think again..... Take a look at this video by HP:THE WOLFContact Southern Insurance Associates about your business and data compromise coverage at Info [at]...

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These examples of rising repair costs explain why your customers are paying more

The number of new vehicles sold is at a record high. The cost to repair new vehicle technology, even in a small fender-bender, is just one of many reasons why insurance carriers are paying out more in auto claims than...

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Teen Driving Safety

Talking to Your Teen About Safe Driving When teens begin to drive, according to the National Highway Traffic Safety Administration (NHTSA) and the National Safety Council, the sobering statistics start to pile up:Car...

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4 reasons to add water backup coverage

4 reasons to add water backup coverage - If you asked homeowners to create a list of situations they hoped to never have to deal with at home, a sump pump failure would likely rank just underneath having a fire. Why? It’...

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Car Shopping With Safety in Mind

You’ve heard all the talk about driverless cars. Yet we’re still years away from living in a world where you can just tell your car where to go and then kick back and relax with a book or your phone. Even still,...

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7 Driving Habits That Are Bad for Your Car

No matter how safe you are behind the wheel, you’ve probably done things like: Shift into drive while the car is still rolling backward. Ride the brakes on steep hills. Roll into the gas station on empty. Guilty? If so,...

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