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All You Ever Wanted to Know About Insurance

How to Decide If Solar Panels Are Right for Your Home

Solar panels can provide clean electricity for your home, helping you to save money on energy costs while also doing your part to help the environment. However, not all homes are suited to solar energy. Here's what you...

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How Independent Agents Are Different from Captive Agents

When it comes to buying insurance, you have two primary options available to you: independent agents like us, and captive agents. While both can provide insurance services, these two types of insurance agents are not...

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Benefits of Using a Dash Cam

More and more people these days are choosing to add dash cams to their vehicles, and for good reason. These small cameras can be highly useful to you, especially in the event that you get a traffic ticket or are...

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Swimming Safety: 10 Tips for Summer

Summer is here and people are flocking to the water — whether it’s the beach, a lake, a river or a backyard pool. But, wherever there’s water, there’s also danger. According to the U.S. Centers for Disease Control and...

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Why You May Need Personal Offense Coverage

In today’s digital world, slander and libel lawsuits are more common than you may think. Comments made in haste or anger on social media can have lasting and far-reaching effects on a person’s reputation or character,...

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Inexpensive Fixes for a Safer Home

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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Why a basic Homeowners policy isn’t always enough

Sometimes a basic homeowners policy just isn’t enough. So as your career advances and your income increases, it’s important to keep your insurance protection up to date. This helps you avoid expensive gaps in coverage...

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10 Tips to Help Prevent Identity Theft

Shopping online. Visiting the doctor. Buying gas. In nearly all of the things we do from day to day, there’s the risk of identity theft. You could unknowingly give your information to a fraudster thinking you’re...

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Own a home? Here are two policy options you should know about

If you have a homeowners policy, you probably expect it to cover all the costs of rebuilding your house in case it’s damaged or destroyed by a covered hazard. But are you certain you have enough coverage? Read about two...

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Insurance Tips for Homeowners

Many consumers have faced rapidly escalating insurance premiums on their homeowners insurance during the last few years. In some cases, consumers have experienced difficulty in procuring insurance, particularly people...

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Wedding Insurance: A Savvy Purchase?

Wedding Insurance: A Savvy Purchase? With spring approaching, many wedding plans are in their initial stages. Most weddings proceed without any major problems or interruptions. However, this pleasant scenario does not...

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Porch Safety: Should You Leave the Lights On?

It seems like a no-brainer to leave the lights on outside your home to deter burglars while you’re away (or even while you’re asleep). But does that really work? Or is it just a waste of electricity — particularly this...

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Ring Insurance

A ring from a loved one. A bracelet handed down through generations. A watch or necklace marking a special occasion. Every reason why you treasure a piece of fine jewelry is a reason why it should be insured. However,...

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Don’t Delay — Start Thinking About Winterizing Your RV Today

Unless you’re headed to a warmer climate for the winter - or you live in one already - fall is the time to start preparing your RV for winter (as long as you’re done using it for a while, that is). And just because you...

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Need help finding affordable health insurance options?

Need help finding affordable health insurance options? Whether it be helping you get all of the plan-savings you're entitled to with the Health Insurance Marketplace or connecting you to one of the new emerging...

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10 Things to do to Prepare Your Home for Fall

Fall is a wonderful time - if your home is ready for it. So enjoy the last few weeks of warmer weather, but do a little preventative maintenance while you’re at it. You’ll fix small problems before they become big, and...

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It’s Back-to-School Time — Is Your House Ready?

We’re not quite sure where summer went, but if you haven’t noticed, the new school year is upon us. And as you get your kids organized and ready, consider doing the same thing for something else - your home. It won’t...

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Tips for Power Tool Safety

What would you do without power tools? Well, you’d probably take on fewer home-improvement projects — and probably have a lot more calluses on your hands. Thankfully, you don’t have to do without. But you do have to use...

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What is water backup coverage and why is it important?

Water damage can be disastrous to your home. Imagine discovering that your entire basement is filled with brown water and sewage from a backed-up water main or other pipe. It’s not only disgusting and potentially...

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How to Update your Home — Without Spending Thousands

It doesn’t take a massive remodel, or a big budget, to make your house feel a little more like home to you. Inside or out, small improvements can make a significant difference - and whether you’re handy or not, you can...

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I Just Bought a New Car. What Insurance Coverage Do I Need?

Congratulations! After weeks of research, comparing makes and models, and taking test drives you finally bought that brand-new car you wanted. But before you take that well-deserved road trip, check one more item off...

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Keep Your Pets Safe in a Disaster

A safe home, a regular routine, a soft bed – the things that bring you comfort bring your pet comfort, too. It’s so important to give some advance thought to how you’d handle your pet responsibilities during and after a...

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Why You Need Service Line Coverage

Let’s spare a moment for something most of us use every day yet probably take for granted: our service lines. We rely on them for access to water, electricity, gas, Internet connection, and more, but only think about...

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What to Consider When Choosing Auto Insurance

Carrying a minimum amount of auto insurance is required by state laws, so you can’t legally drive without it. Yet while the minimum amount keeps your premiums lower, it can also put you at great risk if you have an...

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5 Carbon Monoxide Safety Tips

Every year, unintentional carbon monoxide (CO) poisoning (not linked to fires) sends 20,000 people to the emergency room and causes more than 4,000 hospitalizations. And, you might consider them the fortunate ones. CO...

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When Roadside Assistance Isn’t Enough

If you’ve ever been stuck on the side of the highway with an RV issue, you know what a life saver roadside assistance can be. Whether you need a battery charged, a tire changed, or a tow you’re often back on the road in...

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How to Protect Your Classic Car

The collector car market evolves with each generation. While the Silent Generation started collecting cars, it was Baby Boomers who really got it rolling. They fell in love with the Chevrolet Bel Air, the Ford Mustang,...

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Why You Might Want to Live Like a Minimalist

Decluttering is having a moment these days. Organizing guru Marie Kondo has her own show on Netflix, people everywhere are going through their things and asking, “Does this bring me joy?” and many are even exploring the...

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What Car Drivers Need to Know about Motorcycles

Fall is here, and there are still plenty of motorcycles on the road. And the key word here is “see.” People driving cars and trucks often fail to notice the motorcyclists around them, partly because they’re not...

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How to Ride Your Motorcycle Safely in a Group

Group riding is a favorite activity among many motorcycle riders. Whether you’re part of a riding club, a social event, a charity ride, or out for a leisurely cruise with friends, group riding can be a rewarding way to...

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Five Tips to (Finally) Get your Garage Organized

There’s perhaps no organizing task more daunting than the garage-it’s often the dumping ground for the stuff that has no other place in the house, or the things you don’t use but just can’t bring yourself to toss. How...

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How to Make Your Family Vacation a Great One

Summer is here, which means it’s time to think about family vacations! (If you haven’t been thinking about them all year, that is.) The family part of family vacations, however, can make things a little complicated. You...

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Boating Season is Here – Are You Up to Speed on Safety?

With spring in full bloom and summer just on the horizon, prime boating season is upon us. And you might notice more people on the water than ever, because sales of recreational boats have been growing at a steady clip...

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Auto Insurance Explained

Watch our helpful video here on Auto Insurance! Call us today about your auto insurance at 706-996-8788 for insurance in GA, TN, AL and SC! We'll be happy to hear from you!

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Three Ways to Lower Your Carbon Footprint

April 22 marked the 49th annual Earth Day, when more than 1 billion people in nearly 200 countries were expected to take part in what the Earth Day Network calls “the largest civic-focused day of action in the world.”...

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Spring Cleaning Tips

Spring is a time for new beginnings, and cleaning and organization around the house are very popular this time of year. If you’re ready to tackle the monumental spring cleaning chore, read on for some helpful...

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Best Home Security Systems

Anxiety is one of the biggest contributors to insomnia. Anxiety and stress can stem from many areas in our lives, but if you don’t feel secure in your own home, you’re going to have trouble sleeping at night.A home...

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10 Ways to Make Your Home Feel More Secure

Household burglaries have been steadily declining in the past few decades, but they’re still one of the most common serious crimes in the United States. In 2017 alone, over 2.5 million burglaries were reported....

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How to Prepare Your Bedroom for an Emergency

Depending on where you live, certain types of emergencies are more common. Hurricanes plague the Atlantic and Gulf Coasts, blizzards strike the northern states, and earthquakes shake up the West Coast. Some natural...

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Home Security Technology: Keeping you ahead of the burglars

Back in the early days of home security “systems,” around the end of World War I, it was common for homeowners to hire “door shakers”-night watchmen who would literally walk around and check doors to make sure they were...

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Looking at a new piece of jewelry? Make sure to look at your insurance, too

Whether it’s a gift from someone special or a gift to yourself, a new piece of jewelry can bring some sparkle to your life. However, many people who find themselves victimized by burglars—or a fire or some other...

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Is your home as efficient as it could be? An energy audit can tell you

Drafty windows. Leaky faucets. Dirty air filters. All are common issues in homes across the country, and they’re not just annoying-they also cost you money in decreased energy efficiency and higher bills. The U.S....

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Keep Pets Happy and Safe on Vacation

You’re not just imagining it—a lot of people are traveling with their pets these days. According to a TripAdvisor survey of more than 1,000 travelers, 53% of those responding said they take their pets on vacation, and...

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Five Common (and Potentially Costly) Homeowner Mistakes

Owning a home is usually a great experience. But it can also be a hassle, especially when unexpected issues pop up-whether you have a minor breakdown or a major catastrophe, it’s almost certainly going to require time...

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Five Ways to Protect Your Personal Electronic Data

Online data breaches are just an unfortunate fact of life now-as the New York Times put it, you might as well assume that your personal information has been taken, because cyberattacks happen all the time. That’s why we...

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Let's Keep Our Lawns and Ourselves Safe

For many of our neighbors, summer means more than sunshine and vacations. It also means working in the yard – often with tools that can be dangerous if not used properly. Each year about 400,000 people are treated for...

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6 Tips for Getting to Work on Two Wheels

Did you know that hundreds of thousands of people in the United States commute to work by bicycle, according to the U.S. Census Bureau? That’s a lot of cars off the road each day, a lot of gasoline saved and a ton of...

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Going Somewhere?

Going somewhere?Take us with you! Download the Insurance Agent App and have access to everything! Download it Here: Apple: http://apple.co/29w5zzh Google Play: http://bit.ly/1Q5fOyl

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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 with a boat), 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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Insurance in a Click!

Have access to everything you need by downloading our App. Insurance Agent App.Download it Here: Apple: http://apple.co/29w5zzh Google Play: http://bit.ly/1Q5fOyl

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Avoid the Stress! Download our App Today

Avoid the stress of accidents. Download it Here: Apple: http://apple.co/29w5zzh Google Play: http://bit.ly/1Q5fOyl

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Summer Driving Tips

Summer’s almost here. The sun will come out of hiding, and people will, too. As crowds swell at the beach, in parks, and even on roadways, it all makes for some challenging driving conditions. More people are out and...

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Protecting Your Home: Understanding Your Home Insurance Policy

As a homeowner, one of the most important aspects of your home isn’t something you use daily. And it isn’t something flashy you show off to friends. It’s your homeowners insurance policy, and it protects you in more...

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Do I Need to Tell My Insurance Company If My Dog Bites Someone?

You probably don’t think your dog would ever bite someone, let alone cause a serious injury. But dog bites are more common than you might realize-4.5 million occur every year in the U.S., according to the Centers for...

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Protect yourself from Carbon Monoxide at Home and at Work

Every year, according to the Centers for Disease Control and Prevention, hundreds of people in the U.S. die from carbon-monoxide (CO) poisoning-and the invisible, odorless gas sickens thousands more. The numbers seem...

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Pet Health Insurance to the Rescue!

Pet Health Insurance offered through Safeco Pet insurance is a fast-growing market that helps ensure your fur babies get the quality care they need, from routine checkups to emergency services. Hartville offers well-...

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Dishwasher Problems?

Dishwasher not sounding so good? Ask us about a home warranty from American Home Shield® that helps protect your budget when you need to get it fixed.About Home Warranty, Provided by AHS: A home warranty is a service...

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AJaye awarded 2018 Young Professional Award

The Young Professional award is a nominated position for someone who is working to make his or her community and/or business a better place. Winner is voted on by the Walker County Chamber Board of Directors. As the...

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Insuring Jewelry: How to Know if Your Coverage is Enough

A ring from a loved one. A bracelet handed down through generations. A watch or necklace marking a special occasion. Every reason you treasure a piece of fine jewelry is a reason it should be insured. However, calling...

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Tips for Buying a Safe Car

You’ve heard all the talk about driverless cars - but unfortunately, we’re still years away from living in a world where you just tell your car where to go, kick back and relax with a book (or, more likely, your phone)....

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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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Burglary Prevention: Should You Leave the Lights On?

It seems like a no-brainer to leave the lights on outside your home to deter burglars while you’re away (or even while you’re asleep). But does that really work? Or is it just a waste of electricity — particularly this...

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Personal Offense Coverage: Cheaper than you think

We live in a world where people can post their thoughts on social media websites for everyone to read. Your customers may not realize it, but this exposes them to the risk of being sued. Their lives can change in an...

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Which Home Alarms Do You Need?

Technology has made home alarms of all kinds — from security to smoke, radon to radiation — more accessible than ever. Many of them can be configured to work together, and some even alert you to trouble through your...

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Device Insurance: Cover Your Personal Electronics With the Policy You Already Have

It seems everyone these days has a smartphone. Or a smart TV, a tablet, or an ebook reader. Or all of the above – and more. When you add it all up, you may find you have thousands and thousands of dollars tied up in...

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How to Deal With Road Rage

Have you ever noticed that, with roadway anger, it’s always the other guy’s fault? And, it very well could be. The thing is, you can’t control how other people drive. But, you can control how you respond to situations...

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Safety Tips for Your Summer Swims

When the sun is out and the weather’s warm, people flock to the water — whether it’s the beach, a lake, a river or a backyard pool. But, wherever there’s water, there’s also danger. According to the U.S. Centers for...

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Prevent Regret


Safety Tips for Summer Thrill Seekers

The family summer vacation is a time-honored tradition, and it often includes a trip to one of our country’s incredible amusement parks. But, while the rides and other attractions at these parks are typically safe, it...

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Insurance 101 for new business owners

If you’re thinking about starting a small business, you know a thing or two about taking risks. Your entrepreneurial spirit is not only commendable, it’s critical to keeping our economy going. But at the same time, it’s...

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Cyber coverage: A new business necessity

Does your business need cyber coverage?The simple answer is yes. If you have a computer—or even just do business with someone who has a computer—you, your business and your information are at risk. And the consequences...

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What Should Go in Your Home Safe (or Safe-Deposit Box)?

Spring has arrived, which means it’s time to clean the cobwebs out of the corners, organize the closets and so forth. While you’re at it, don’t forget to revisit the important documents and other items you have in your...

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Insurance 101 for new business owners

If you’re thinking about starting a small business, you know a thing or two about taking risks. Your entrepreneurial spirit is not only commendable, it’s critical to keeping our economy going. But at the same time, it’s...

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Insuring your college-bound student

If you have a son or daughter heading off for college, you’re probably thinking about dorm supplies, textbooks and how you’re going to cope with being apart from your ‘baby’. But if you’re like many parents, insurance...

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Put it Away

Video provided courtesy of Grange Insurance. Contact Southern Insurance Associates today at Info [at] SouthernInsuranceAssociates [dot] com or 706-996-8788 for your insurance needs. We provide insurance in the GA, TN...

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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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Safety tips to protect your contracting business and employees

In the contracting world, it literally takes sweat (and sometimes blood and tears) to build up a business. After all the hard work you’ve put in, you don’t want to see anything bring your company down. But the reality...

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Slideshow: 6 small business safety hazards (and how to avoid them)

Owning a small business is all about knowing when to take risks and when to play it safe. But when it comes to workplace safety, your only option is to take the safest route and eliminate risks. As a small business...

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The Type of Fire Extinguisher Every Home Should Have

A fire is a fire, and a fire extinguisher is a fire extinguisher, right? Well, not quite. There are actually different types of fires and different types of extinguishers that respond best to each one. So, which is...

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Allstate to Implement Massive Statewide Rate Increase

ALLSTATE TO IMPLEMENT STATEWIDE INCREASE INSURANCE DEPARTMENT LAUNCHES INVESTIGATION ATLANTA – Insurance Commissioner Ralph Hudgens is issuing a consumer alert to inform AllstateProperty & Casualty Insurance Company...

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Navigate Rainy Roadways With Care

It’s just rain — how much impact can it really have on your driving? The answer: a lot. You’re likely to experience lower visibility, reduced traction and increased difficulty in handling your car both during and after...

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Identity Protection Tips for Tax Season

What’s the most important number for you this tax season? The amount of your refund? The amount you owe? The number of hours spent poring over all the other numbers? All of those are pretty important, but none of them...

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What to Do After a Car Accident in Winter

Freezing temperatures, gusts of wind, patches of ice – winter can be a horrible time to be on the road, especially if you’re on vacation and aren’t used to driving in winter conditions. And, it’s an even worse time to...

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DO you have GAPS?

Contact Southern Insurance Associates in LaFayette, GA to discuss the gaps in your insurance coverage. Info [at] SouthernInsuranceAssociates [dot] com or 706-996-8788. We can provide insurance for your needs in GA, TN,...

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Six things to do when a frozen pipe bursts

If low temperatures cause water to freeze inside pipes, pressure can build up and cause weak points inside the pipe to burst. Unfortunately, water may then pour into your home and cause damage. How to handle a pipe that...

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How to Avoid Animal-Vehicle Collisions

About 2 million times every year, animals and cars collide on U.S. roadways — often causing serious and even fatal injuries to drivers and passengers, along with about $1 billion in damage, according to the U.S....

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Tips for tying the insurance knot

Tips for tying the insurance knot - Invitations? Check. Rings? Check. Honeymoon reservations? Check. Insurance policies? Um, what? We get it. If you're planning a wedding, insurance considerations likely aren't at the...

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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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Protect Yourself Against Auto Theft

Every 10 seconds, a car is broken into somewhere in the United States. Learn ways to decrease your risk and protect yourself from becoming a victim of auto theft. Spokespersons: Viet Nguyen, Police Officer; Seth...

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Happy New Year!

Happy New Year from Southern Insurance Associates

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Winter Rainy Season

Heavy rains are common in many parts of the United States during the winter months. These storms often lead to flooding. Several large wildfires in the western United States have dramatically changed the landscape and...

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Protect Your Home Against Arson

At least half of arson fires are started by young people under the age of 18. Learn ways to protect your home and decrease the chance of becoming a victim of arson. Spokespersons: Sgt. Wayne Shaw, Arson Investigator;...

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Personal Stories: The Hodas Discuss Staying on Top of Insurance Paperwork

In the aftermath of Hurricane Katrina, Joy Hoda emphasizes how important it is to stay on top of your insurance paperwork, and to be fully prepared. Contact Southern Insurance Associates at 706-996-8788 or Info [at]...

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Merry Christmas from SIA!

From all of us here at Southern Insurance Associates, we wish you a Very Merry Christmas!

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Personal Stories: The Robinsons Discuss Flood vs Homeowners Insurance

In the aftermath of Hurricane Katrina, Bernie Robinson talks about not having known the difference between flood and homeowners insurance. Contact Southern Insurance Associates at 706-996-8788 or Info [at]...

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Holiday Safety Tips for Your Four-Legged Friends

As a nation, our pets are like family, so let's make sure they enjoy the holidays with us while staying safe. As a general rule of thumb, always keep pets on a regular routine, even during the holiday season. Don't let...

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Personal Stories: Lenore Duplesses Discusses Being Fully Prepared for a Disaster

Lenore Duplesses and her family suffered severe damage to their home from flood waters during Katrina. Having Flood Insurance made it possible for them to repair the damage and replace their belongings. She's says she's...

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Personal Stories: The Robinsons Discuss Choosing Insurance for a New Home

In the aftermath of Hurricane Katrina, Cindy Robinson discusses the process of choosing insurance for their new home. Contact Southern Insurance Associates at 706-996-8788 or Info [at] SouthernInsuranceAssociates [dot]...

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Evacuation: How to Get Organized

In the case of a sudden emergency, you may have mere minutes to gather your family and important documents and evacuate your home--possibly for good! Get organized now so you can be prepared later. Contact Southern...

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Personal Stories: The Hodas Discuss Checking Insurance Policies Regularly

In the aftermath of Hurricane Katrina, Gene Hoda recommends checking insurance policies regularly to make sure you have enough coverage. At Southern Insurance Associates, we check with each client yearly for any changes...

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Vacation Tips: 5 Things To Do Before Leaving Town

Before leaving for your home, there are some tips for protecting your home and belongings from theft or burglary while you are away. Burglars sometimes take advantage of empty homes to steal valuable property. In March...

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Make Home Safety a Priority While You’re Away for the Holidays

The holidays can be a great time to get out of town to visit family you rarely get to see, hit the slopes or flee to the beach. Regardless of how you spend your time away, you need to ensure your house stays safe while...

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Test Your Insurance IQ: Business Owners Policies

Do you know what a "BOP" is? Are you covered under your insurance if you have to move or shut down your business after a disaster? If you own your own business, test yout knowledge by watching this video. AJaye Brown...

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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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Will My Insurance Pay for a Loss In My Car's Value if it Is Damaged In a Collision?

Diminished Value Explained What Is Diminished Value? - After a vehicle has been involved in a major accident and has been repaired, depending on its age and condition, the resale value may be less than if it had not...

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Fantazia Circus in La Fayette, Sunday Oct 5 @ 3pm

This Sunday, October 5th at 3:00pm the Fantazia Circus will be at Lafayette Municipal Park Recreation Center. Adult admission $15 per person, for more information seewww.discoverfantazia.com

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2014-Scare on the Square

Scare on the Square is sponsored by the Bank of Lafayette, and the City of Lafayette Main Street/ Downtown Development Authority board. Local business owners come out on Halloween and give out candy to all the children...

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Do I Need Rental Car Insurance?

Properly insuring a rental car can be confusing, frustrating and downright daunting. Unfortunately, many consumers do not even think about car rental insurance until they get to the counter, which can result in costly...

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What Is Gap Insurance?

When you buy or lease a new car or truck, the vehicle starts to depreciate in value the moment it leaves the car lot. In fact, most cars lose 20 percent of their value within one year. Standard auto insurance policies...

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October is Breast Cancer Awareness Month

October is Breast Cancer Awareness Month, which is an annual campaign to increase awareness of the disease. While most people are aware of breast cancer, many forget to take the steps to have a plan to detect the...

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Insuring a Leased Car

If you lease a car, you still need to buy your own auto insurance policy. The auto dealer or bank that is financing the car will require you to buy collision and comprehensive coverage. You will need to buy these...

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Directors & Officers Coverage

Directors and Officers Liability Insurance protects directors and officers of corporations or not-for-profit organizations if there is a lawsuit claiming they managed the business or organization without proper regard...

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Home-Based Businesses

Slightly more than half of U.S. businesses - 51.6 percent - were home-based, according to the 2007 Survey of Business Owners (SBO), conducted by the U.S. Census. Only 6.9 percent of these home-based respondent...

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Small Business Workshops

The IRS sponsors many workshops and events for small business owners. Find one in your state here: http://www.irs.gov/Businesses/Small-Businesses-&-Self-Employed/Small-Business-Tax-Workshops-and-Webinars

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Fire Prevention Week!

Second week in October is Fire Prevention Week! This year's Fire Prevention Week theme is "Working Smoke Alarms Save Lives: Test Yours Every Month". Fire Prevention Week is an annual campaign sponsored by the National...

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Nonprofit Organizations and Insurance

Like a business or a homeowner, a nonprofit organization needs to protect its property from loss from a fire, by theft and from many other hazards. Nonprofits can be lawsuit targets as well. Without insurance, a lawsuit...

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Fall Back! Sunday, Nov 2

Don't forget to set your clocks back 1 hour! Sunday November 2, 2014

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SIA adds AmTrust as another option!

Southern Insurance Associates is happy to announce another insurance company option for our clients; AmTrust Insurance. AmTrust North America provides workers' compensation and commercial package insurance to a wide...

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Business Offices-What do I need?

An office is the primary or only premises for numerous types of small businesses, including, for example, employment, travel, collection, insurance, advertising and other agencies. Electronic equipment and data are...

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Life Insurance For Key Employees

Who Is a Key Employee? - A key employee is someone whose knowledge and skills contribute significantly to your business income. Losing a key employee would most likely cause substantial negative financial consequences...

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Can I insure the life of a key employee?

The loss of a key person can be a major blow to a small business if that person is the key contact for customers and suppliers and the management of the business. Loss of the key person may also make the running of the...

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The 4 things homeowners misunderstand about flood insurance

1. "I don't have to worry about flooding because I don't live near a body of water." Although homeowners in Arizona may have thought the same thing, they were struck with historical flooding this summer. The Arizona...

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Avoid these five “start-up” mistakes when starting your business:

Nobody said starting a brand new business from the ground up would be easy. Seasoned and novice entrepreneurs alike will be all-too aware of the eventuality of encountering obstacles and pitfalls whilst both setting up...

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Lightning Coverage and Safety

Damage caused by lightning, such as fire, is covered by standard homeowners and business insurance policies. Some home and business insurance policies provide coverage for power surges that are the direct result of...

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Lightning Safety: Myths vs. Facts

With 1,800 thunderstorms in progress at any given time on Earth, it's important to be able to sort out the myths from the facts when it comes to lightning safety. And keep in mind that the best lightning safety plan of...

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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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How can I build and maintain a good credit history?

Your proven ability to manage your money and meet your financial obligations is the basis of your credit score. The best way to build a solid credit score is to make a habit of always paying your bills on time in full...

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How do I pick an insurance company?

There are many insurance companies, so choosing between them can be a challenge. Here are the main points to keep in mind when selecting an insurance company: Licensing Not every company is licensed to operate in each...

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Five Insurance Mistakes to Avoid? And Still Save Money

We are all concerned with saving money and it is important to shop around when looking for insurance coverage. However, simply reducing your coverage or dropping important coverages altogether can leave you dangerously...

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How often should I review my policy?

There are four events that should trigger a review of your policy: 1. When your policy comes up for renewal Don't just automatically send a check to your insurance company. Take the time to review your coverage and call...

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Ten Questions to Help You Assess Changes to Your Insurance Needs

Family, Home, Career Status Should Be Reflected In Your Policy Coverage Our insurance needs change as circumstances in our lives change, which is why we recommend doing an annual insurance review. When you're reviewing...

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I'm installing a pool-what kind of insurance do I need?

Pools and Insurance - All pools-from a simple above-ground kiddy pool to an aquatic extravaganza-can be dangerous and need to be properly insured and comply with local safety standards. According to the Center for...

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Can I own a home without homeowners insurance?

Unlike driving a car, you can legally own a home without homeowners insurance. But, if you have bought your home and financed the purchase with a mortgage, your lender will most likely require you to get homeowners...

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Are there different types of policies?

Yes. A person who owns his or her home would have a different policy from someone who rents. Policies also differ on the amount of insurance coverage provided. The different types of homeowners policies are fairly...

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5 Tips for Organizing Your Home for the New School Year

Yes, it's already time to start thinking about school again. Getting a head start can pay big dividends for you and your kids as they head back to class. But, it's not just what they need for school that matters. It's...

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Home Buyers Insurance Checklist

Shopping for your dream house? There are many considerations when looking at real estate, such as property taxes, school district, available recreational opportunities in the neighborhood, to name a few. But an...

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What's the difference between cancellation and nonrenewal?

There is a big difference between an insurance company canceling a policy and choosing not to renew it. Insurance companies cannot cancel a policy that has been in force for more than 60 days except when: You fail to...

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Understanding Your Insurance Deductible

Understanding the role deductibles play when insuring a car or a home is an important part of getting the most out of your insurance policy. A deductible is basically the amount "deducted" from an insured loss....

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What Type of Insurance Do I Need If I?m Renting Out My Home?

There are many reasons why you might want to rent out your home on either a short- or long-term basis. Whether you own a second home that you plan to lease to a tenant, or want to rent out a room in your house...

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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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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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8 Home Security Tips You Never Thought Of

Your home is your sanctuary. It is a place where fond memories are made and relaxing evenings are spent after a busy day. Your home is a safe haven where you and your family most feel at ease. If your home is under-...

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Someone Fell off My Horse. Can They Sue Me?

Whether you own one horse or ten, chances are you've been asked by a friend or visitor to let them ride. While this seems like a friendly gesture, you may be opening yourself up to a potential lawsuit. Horses are...

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Community HealthCare Outreach Aug 28, 2014 @ Max Stoker Recreation Center

Community Healthcare Outreach (CHO) is making a big splash into summer with a new combined program by partnering with the Walker County School Nutrition Program. Come out and learn summer safety tips, sun safety, and a...

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The Pentagon Has a Zombie Apocalypse Plan. Here’s One for You.

Did you ever stop and think what might happen if the Zombie Apocalypse actually occurred? How would you protect your family? What would be left, if anything, when it was all over? The Pentagon has a plan in place,...

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Car Depreciation: How Much Have You Lost?

When people buy homes, they purchase them with the expectation that the value will rise over time, building equity. This is not the case with cars. These expensive purchases lose value over time, and the rate of loss...

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One Popular Childhood Prank Burns a Home to the Ground

If you've got teens in your life, it could happen to you. You wake up early in the morning and shuffle out to the porch, only to find your yard, trees, hedges, and rooftop covered in snowy white toilet paper. Add a good,...

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How to Compare Boat Insurance Companies

As a boat owner, you probably know all about properly caring for your boat, keeping your passengers safe, and finding the best spots to enjoy a day on the water. What you might not be as sure of is how to find the best...

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Is That Covered by Home Insurance? 5 Surprising Facts

Home insurance policies are designed to protect your personal property and provide reimbursement in the event of damage or loss. Yet, when a claim is filed, many people are surprised to find certain items are excluded...

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What Does Homeowners Insurance Cover?

Broadly speaking, insurance covers you for potential loss resulting from risks such as burglary or theft, severe storms, fire and also your personal liability. The specific risks you may face as a home owner could...

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Five Tips for Lowering Landlord Insurance Rates

Compare quotes with an independent agent in the Trusted Choice network, like AJaye Brown with Southern Insurance Associates, who can review policies and options available from multiple insurance companies. Ask Southern...

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Walker County CPR Class July 26, 2014

WCES will be presenting a community CPR class on Saturday, July 26, 2014 at Rock Spring United Methodist Church (on Highway 95) from 0900-1030 hours. This is a FREE class and is open to the public. To register for the...

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Movies in the Park featuring: The Lego Movie @ Joe Stock Park

The Downtown Development Authority is excited to present July's installment of Movies in the Park: The Lego Movie. The Lego Movie will be presented on Saturday, July 26, 2014 at Joe Stock Park at 9:00pm. This is a free...

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Community HealthCare Outreach July 24, 2014 @ Max Stoker Recreation Center

Community Healthcare Outreach (CHO) is making a big splash into summer with a new combined program by partnering with the Walker County School Nutrition Program. Come out and learn summer safety tips, sun safety, and a...

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Landlord Insurance Protects You from Loss

Cover Your Investment When Renting Your House, Condo or Apartment Property investors who lease homes, condos and apartments to tenants often purchase landlord insurance to protect those investments. If you are a new...

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Catoosa County home invasion has increased patrols

CATOOSA COUNTY, GA - The Catoosa County Sheriff's Office is investigating two burglaries reported in the past two days, both with similar suspect descriptions. The first burglary was reported Monday on May Street in...

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Malpractice Coverage 101 for Therapists

Caring for people means you face the risk of liability claims, whether you provide counseling or psychotherapy. Insurance for therapists, such as psychologist malpractice insurance, can protect your practice from...

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Room By Room-Your Valuables Values

The number of renters has grown dramatically in some of the most populous U.S. cities, according to the Insurance Information Institute (III), but few have insurance. Only 37% of renters are covered, whereas 95% of...

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Who Needs Professional Liability Insurance?

This form of business insurance appears under a variety of names because of the many different types of professions that need this type of coverage. Anyone from a home remodeler to a heart surgeon should consider...

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Tax-free shopping dates for Tennessee, Georgia, Alabama

CHATTANOOGA (WRCB ) - You have a chance to shop without paying sales tax on clothing as well school and office supplies in Tennessee. The State of Tennessee has announced its Annual Sales Tax Holiday begins at 12:01 a.m...

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A real 'Ace': Dog hailed as hero for alerting sleeping deaf boy to fire

Indianapolis (AP) -- A dog named Ace is being hailed as a hero for licking the face of a sleeping, deaf 13-year-old Indianapolis boy to alert him that the house was on fire. Indianapolis Fire Department Capt. Rita Reith...

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What is Umbrella Insurance?

Umbrella Insurance Policies Provide Extra Protection A rain umbrella protects you from getting wet, but doesn't stop the raindrops from falling. Umbrella liability insurance is similar in that it cannot prevent...

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Comcast Apologizes For 'Unacceptable' Customer Service Call

By Susanna Kim, Good Morning America Whatever happened to the old saying, "the customer is always right"? Comcast issued an apology today after one of its representatives kept a customer captive on the phone for about...

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Home Invasion In Catoosa County

Authorities in Catoosa County are on the hunt for two men Wednesday afternoon who they say robbed a homeowner at gunpoint on Tuesday. Tuesday morning between 10 & 11 a.m. at a home on Grant Drive in Ringgold, a...

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Top Risks Businesses Face

Property damage from fire, storms and accidents Liability in many forms, including product liability, accident/injury liability, libel, malpractice and professional liability or "errors and omissions" risks Fraud,...

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3 Ways Ligthning Enters Homes

After last nights major lightning activity, it was really on my mind about lightning and safety. I found the following and wanted to share it with you guys: A house or other substantial building offers the best...

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Do You Need Commercial Vehicle Insurance?

In some cases, it is obvious that you need a commercial vehicle policy. For example, if you have a delivery service, limousine service, or a restaurant that delivers food, you know for certain that your business takes...

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Petition looks to address child deaths in hot cars

ATLANTA (AP) - The Georgia Trial Lawyers Association and KidsAndCars.org are partnering to petition the White House to authorize research technologies that could prevent children from being left in hot cars. Officials...

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LaFayette City Pool open until Aug 10

Get your swimming in before it ends! LaFayette City Pool is open until August 10, 2014 Admission $4 per person (3& Under Free) Concession Stand at Pool Mon-Sat 12:00pm-6pm Sunday 1:00pm-6pm Late Dippers: Tues &...

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Worksite RX Employee Clinic

The City of Lafayette & Walker County are joining to forces to provide medical care while saving on costs by combining services for their employees. Beginning Tuesday, July 1st, 2014: Worksite Rx will be offering...

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Johnny Cash Library Fundraiser Aug 13

Lafayette/ Walker Library is doing a fundraiser for the children's group of the library. As most of you know Johnny Cash played a benefit concert in Lafayette in August 1970, and this reimagined poster helps to...

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Audia International expands Walker County project before groundbreaking

The first shovel full of dirt has yet to be turned at Walker County's newest industrial park, but already Audia International, the site's major tenant, is looking to expand its manufacturing and warehousing operations....

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Major Volkswagen Chattanooga Expansion Announced, 2,000 New Jobs

Tennessee Gov. Bill Haslam and Volkswagen Group of America officials announced today the company will expand its sole U.S. manufacturing facility in Chattanooga, Tennessee. Volkswagen will add an additional...

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VOLKSWAGEN CHATTANOOGA NEWS CONFERENCE FROM GERMANY


Who Needs Commercial Vehicle Insurance?

Freight companies and other businesses that use commercial trucks Independent contractors who drive during the course of doing business Any business that makes deliveries or transports goods Limo services, taxi services,...

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What Does Boat Insurance Cover?

Your boat insurance policy may include the following: Collision damage: Includes repair or replacement of your boat, but may or may not include clean-up of wreckage unless you purchase optional additional coverage. ...

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What Is Dune Buggy Insurance and How Do You Find It?

If you are an outdoor enthusiast who likes to blast your way across rough terrain, you may be in the market for an all-terrain vehicle. If you like sand or beaches as your off-road surface of choice, then you're...

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Make Recycling and Reducing Routine

"Reduce, reuse, recycle." Most likely, you've heard that catchy phrase connected with information about saving natural resources and even saving your family money. But how many of us really make reducing, reusing and...

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7 Ways to Save on RV Insurance

How to Find RV Insurance Discounts and Deals Whether you are a full-time RVer or you only use your motorhome for short trips, you are probably wondering how you can get affordable coverage that protects your investment....

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Irrecoverable Property Loss? The IRS Could Be Your Friend

Having been through a total loss personally, owner of Southern Insurance Associates, LLC of LaFayette, GA, AJaye Brown knows a thing or two about the claims process. Even though we are big fans of insurance and its...

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What is a Flood?

Anywhere it rains, it can flood. A flood is a general and temporary condition where two or more acres of normally dry land or two or more properties are inundated by water or mudflow. Many conditions can result in a...

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Notable Omissions/Limitations in Your Home Insurance Policy

Do you know what types of losses your home insurance policy will cover? Perhaps more important, do you know what types of commonly occurring losses it will not cover? Knowing the limitations in your policy is the first...

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Bluff Trail Re-Opened on Lookout Mountain Battlefield

Chickamauga and Chattanooga National Military Park is advising a portion of the Bluff Trail that was closed on February 10, 2014 is now open for public use. The park in partnership with Wild Trails developed a project...

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Battlefield Farmers Market back in LaFayette

Monday's Market are back in La Fayette for 9 weeks only. The Monday Market's will run from June 30th until August 25th. Hours are 3:00 PM until 6:00 PM. We've moved over to the La Fayette Housing Authority's back...

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Cyber Attacks: Protecting Your Small Business from Data Theft

Recently cyber-attacks were back in the news, and the latest attempted victim was the White House. According to an October 1st report from the Washington Post the White House acknowledged that hackers attempted to...

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New Development, New Flood Risk

Floods are often associated with rivers and streams overrunning their banks, or with heavy rains from hurricanes and other major storms, and while those are very real hazards, the reality is that flooding can be caused...

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Fourth of July Fireworks: Beautiful, Patriotic… and Dangerous

According to the US Consumer Product Safety Commission, 60% of all fireworks injuries occur around July 4th. While these loud bursts of light and color add flair to celebrations, it should be remembered that fireworks...

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First Friday’s! @ Mars Theater District

First Friday's will be held on the 1st Friday night of every month in the Mars Theater District from 5pm-7pm. This is a free event to the public, come experience art, shopping, dining & music right here in your...

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Fireworks at Lake Winnie!

Thursday, July 03, 2014 10:00PM & Friday, July 04, 2014 10:00PM Lake Winnie lights up the night sky beginning at 10PM with our spectacular fireworks display! Source: Lake Winnie

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Downside of Online: Cyber Crime & Stolen Data

How safe is private information when stored electronically? You may not want to know the answer to that question. But if you're just a bit curious, consider visiting privacyrights.org/data-breach. The site allows you to...

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Safety with Fireworks

Southern Insurance Associates of LaFayette, GA care about your safety and we've found a few tips to help keep your family safe. Fireworks are synonymous with our celebration of Independence Day. Yet, the thrill of...

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Condos: Easy Living, Tough Insurance

Do you own a condominium? To you, condo ownership may represent a feasible way to home ownership. Or maybe it represents a second residence in some exotic location you like to visit. Or maybe it's an investment to...

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What You Need to Know About Shady Home Contractors, Remodeling & Hiring Day Laborers

Ah, summertime, and the living is easy. Perfect for sitting in the shade out back with a cold drink. You may even decide this is the perfect time to finally add that deck, enlarge the patio for cookouts, or put in that...

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Movies Under the Stars featuring: Despicable Me 2

La Fayette Downtown Development Authority will be showing Despicable Me 2 June 28, 2014 9:00pm-11:30pm at Joe Stock Memorial Park at 208 North Main Street, LaFayette, GA 30728. Admission is free. Concessions available...

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Freedom Festival 2014 @ City of LaFayette Municipal Park

This year's Freedom Festival will be held on Friday, June 27, 2014 at Lafayette Municipal Park located at 638 S. Main Street, Lafayette, GA 30728. This is a free event for the whole family, with live entertainment, over...

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Community HealthCare Outreach June 26, 2014 @ Max Stoker Recreation Center

Community Healthcare Outreach (CHO) is making a big splash into summer with a new combined program by partnering with the Walker County School Nutrition Program. Come out and learn summer safety tips, sun safety, and a...

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DOGS & INSURANCE: The bite is worse than the bark

You don't have to search far to find a story about the numerous dog bite incidents that happen in the country each year. While our cuddly companions are often considered a member of the family, they may not be as...

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Classic Car Maintenance for Show Season

It's almost spring, and for classic car enthusiasts across the U.S., that means car show season is upon us. If you winterized and stored a pristine vehicle for the off-season, you may have very little maintenance to...

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Wedding Season: Protect your happily ever after

You've picked out the table linen, found your dream venue, and figured out a way to seat all of your family members in one room without them strangling one another-it must be time for your wedding! Family conflicts...

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COLLEGE BOUND

After a long day of work, you check the mailbox and see the letter your family has been waiting to receive for weeks. The letter is from one of the colleges your child has applied for, and it feels heavier than the...

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Protect Your Most Cherished Possessions

If you're like most people, there are certain items you own that you can't imagine ever losing - possessions you deeply cherish or those that would be impossible to replace due to the cost of re-purchasing them or...

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Keep Water from Going Where it Shouldn't

One of the most disheartening experiences is to find flooding or extreme water damage to your treasured home. At Southern Insurance, we know you want to protect what's important. That's why we're offering these tips to...

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A Little Extra Caution Can Go a Long Way While Driving at Night

While fall and winter have their own pleasures, longer nights mean increased danger on the roads. You might think you drive just as well at night, but consider this: Even though nighttime driving accounts for just 23%...

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Home Security Tips

Everyone wants to keep their home safe from burglars or intruders, but not everyone wants to have an alarm system installed. There are plenty of people who prefer the do-it-yourself route, whether it's home improvement...

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Five Sure-Fire Ways to Get Your Car Stolen

Most people would say their car is one of the most valuable assets they own – if not the most valuable. Despite that, however, some people make it downright easy for thieves to drive off in their pride and joy. At...

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Protect Your Family From the "Silent Killer"

Carbon monoxide is an odorless, colorless, invisible gas that results when certain fuels do not burn completely. And it can be deadly. That's why it's important to know how to prevent it, detect it, and protect yourself...

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Make Sure Your Pets Travel Well for the Holidays

The holiday season is here - time to eat good food and join together with loved ones. For many who have families far away, this is also is the time to pack up and get out of Georgia. If you are gearing up to travel and...

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Make Football Season Fun and Safe

Finally, we're welcoming fall, that eagerly anticipated season when we get to enjoy cooler temps, colorful leaves and, of course, football season in Georgia. Football brings with it a whole host of seasonal activities...

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A Different Season Means Different Dangers For Motorcyclists

Fall is a wonderful time to be outside on your bike, thanks to the crisp, cool weather and changing colors of the landscape. Staying safe on the road in autumn requires some special precautions, however. Because we at...

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Flood Insurance - What You Should Know

You've probably heard this horror story before - someone loses a home due to a flood and learns after the fact that standard homeowners insurance doesn't cover flood damage. At Southern Insurance we want you to be...

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When Things go BOOM in the Night - Fireworks Safety

For most of us, the Fourth of July is a time to enjoy the company of family and friends, having fun and creating memories - whether at home or away But for some families, the holiday is a nightmare. Each year, homes in...

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Do You Own a Classic Car of the Future?

There's nothing quite like driving a speedy, shiny classic car that turns heads and starts conversations. In fact, the beauty and elegance of old collectibles - like the 1964 Aston Martin DB5, the 1963 Corvette Sting...

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A Time to Celebrate Mothers

As the second Sunday of May nears, it's time to think of ways to celebrate mothers - although, of course, that's a worthy pursuit at any time of year! At Southern Insurance, we thought it would be fun to give you a...

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It's Time for Spring Cleaning!

Spring is a time of new beginnings in Georgia - and now is a great time to take on some cleaning and organization tasks around your home. If you're anything like many of us here at Southern Insurance, some of these...

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Get Ready to Safely 'Spring Forward'

Daylight Saving Time begins Sunday, March 10, 2013, for most places in the United States, so don't forget to set your clock forward one hour. We here at Southern Insurance want to remind you it's also a great time to...

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Be the Pinnacle of Health & Wellness This Winter

It goes without saying that keeping yourself and your family healthy through the winter months in Georgia can be a challenge. When you combine chillier temps, housebound days - not to mention kids passing around colds...

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Protect Your Motorhome and RV From the Cold

If you're a snowbird and you're headed away from the cold this winter to a sunnier and warmer spot, you can move on to the next article. Just know that we here at Southern Insurance wish you a safe journey - and that we'...

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Make Sure Your Holidays Stay Happy … and Safe

You'll no doubt hear the phrase "Happy Holidays!" about a thousand times over the next month. Here at Southern Insurance, we'd like to change that a little bit: "Happy - and Safe - Holidays!" While the holidays...

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Tips for Preparing for Your Holiday Driving Trip

Millions of Americans will do some traveling this holiday season - the majority of it by car. Of course, winter weather creates a unique set of challenges on the roadways, whether you're simply driving around in La...

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Halloween Safety: Be Ready When the Little Goblins Come Out

It's a night full of treats for both kids and adults in La Fayette. But a number of factors - including lots of people walking in the dark, the threat of wet and stormy weather, strangers coming to your door - mean that...

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When the Kids Head for College, Put “Insurance 101" on Your Class List

It's an exciting time when your child heads off to college. Whether they're attending school in Georgia or have moved all the way across the country, there were a ton of things to get done last month, but did you...

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Get the Most Out of Your RV This Summer

There's nothing quite like taking a road trip in an RV. Whether you're headed to somewhere nearby or somewhere farther away this summer, Southern Insurance Associates wants you to get the most out of your travels....

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Make Your Vacation a Great One

Whether you're planning a trip to a local attraction in Georgia this summer, or headed all the way across the country, you want your vacation to be relaxing. It's a getaway from work, not to mention your day-to-day life....

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A Home Inventory Will Help You Know What You Own

Why should I have a home inventory? - Your furniture and appliances, clothing, sports or hobby equipment, and electronic goods are all regarded as personal property. Like many people in Georgia, you may own much more...

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Safety Tips for Your Boat Trailer

When purchasing a trailer in Georgia or elsewhere, stay within recommended capacity guidelines. When determining capacity, remember to include the weight of fuel and accessories in addition to the weight of the craft....

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Be Safe on Your Motorcycle

To stay safe on La Fayette streets, you need the right skills to control your ride, and the best safety equipment for just-in-case. Southern Insurance cares about your safety - so keep these helpful tips in mind when...

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Managing the Cold Chain

Protect your restaurant, your customers, and your reputation Restaurant and foodservice owners across Georgia know the importance of managing "the cold chain" and how seriously it needs to be followed to prevent food...

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