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Blog

January 31, 2025
Agency

Annual Personal Insurance Coverage Assessment Importance

In , personal insurance—covering policies such as homeowners, auto and renters insurance—is essential for safeguarding individuals and families against financial loss. However, many people overlook the importance of reviewing their insurance coverage on a regular basis. Reviewing your personal insurance annually can help ensure you have adequate protection and potentially save you money over time. […]
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December 18, 2024
Agency

Do I Only Need the State Minimum Auto Coverage? 

While meeting the legal requirements for state minimum auto coverage is essential, there are several factors to consider when deciding if you need more financial protection. Alabama requires a minimum amount of auto liability insurance. This coverage may help pay for third-party accident-related injuries and property damage if you are at fault in an accident. […]
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November 26, 2024
sosins

What Is Underinsured Motorist Coverage?

As a vehicle owner, you’ll want to take appropriate steps to protect your investment and financial interests. You also likely understand that auto insurance plays an essential role in this goal, potentially ensuring you can manage the monetary ramifications of accidents, criminal acts and other incidents involving your vehicle. Unfortunately, other parties may not be […]
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October 22, 2024
sosins

Using Your RV for Living vs. for Recreational Fun 

How you use your RV for living can drastically change your lifestyle and insurance needs. But regardless of how you use your vehicle, it’s crucial to have adequate RV insurance in case of accidents, fire, theft or other unforeseen events.   Full-time RV for Living vs. Recreational Use Living in an RV means you’ll likely […]
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September 27, 2024
Agency

What Impacts Your Auto Premium?

Insurance companies evaluate various factors when determining how much you will pay for your policy. Here are some of the key factors that impact your auto premium. Your Auto Premium is Highly Dependent on Your Driving Record Your driving history plays a significant role in determining your premium. A clean driving record with no accidents […]
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August 29, 2024
Agency

Frequently Used Personal Lines Insurance Terms and What They Mean

Navigating the world of personal lines insurance can be confusing, especially with the myriad of terms used. It’s crucial to understand these terms to make an informed decision about your coverage. The following is a breakdown of some commonly used personal lines insurance terms and what they mean. Premium The premium is the amount you […]
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June 28, 2024
sosins

10 Insurance Questions to Ask Your Agent  

When was the last time you looked closely at your coverage or explored potential discount opportunities? Whether you’re due for a policy review or considering changing insurers, it’s crucial to arm yourself with the right questions to ensure you’re adequately protected against life’s uncertainties. Here are ten questions to ask your insurance agent to help […]
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May 29, 2024
Agency

Getting Your Boat Ready for Summer Checklist 

As the days get longer and the weather warms up, it’s time to prepare your boat for summer. But before you set sail, it’s crucial to ensure that your vessel has weathered well during the off-season and is equipped with the necessary safety equipment. Here’s a checklist to help you prepare.   Assess the boat’s condition. Begin preparing your boat […]
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March 21, 2024
Agency

Can I Bundle My RV Insurance With My Tow Vehicle or Auto Policy? 

Have you considered bundling your RV insurance with your tow vehicle? The allure of the open road beckons, and for many adventure-seekers, recreational vehicles (RVs) may be an integral and trusted companion on these journeys. Still, whether it’s a cozy camper or a robust motorhome, owning an RV entails responsibilities, including adequate insurance coverage. However, […]
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February 28, 2024
sosins

If I Drive Someone Else’s Car, Am I Covered Under Their Policy? 

Finding yourself in situations where you need to borrow someone else’s car or lend yours temporarily is quite common. And, although this is common, many people don’t think or know about the insurance aspect of borrowing someone else’s car. Does My Car Insurance Cover Others Driving My Vehicle? If individuals are listed on your policy, […]
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