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Southern Insurance Associates Blog

All You Ever Wanted to Know About Insurance

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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