Trees are beautiful to look at, but when they fall on your house or property, it can be disastrous.  Whether its lightning, excessive winds, severe storms, or super soaked ground, trees can become vulnerable to falling and when they do, it’s never a pleasantry. While you can’t prevent acts of nature from occurring, you can [...]

It’s officially summer which brings on some scorching days. With temperatures on the rise, so are the number of cases of people experiencing heat exhaustion. Whether your job is outdoors, or you are simply working in the yard or attending outdoor festivities, the heat and humidity can take its toll on you, but if so, [...]

If you own and operate a vehicle, most states mandate having liability insurance, but did you know that about 30% of the drivers in Alabama do not have liability insurance?  It is estimated that in the U.S. about 14 percent of drivers are uninsured.  While those statistics are alarming, it won’t change the fact that [...]

If you are just starting a home-based business or contemplating that endeavor, you need to make sure your coverage is adequate and doesn’t have any holes that may jeopardize your financial stability, not to mention your business.  Working out of your home has many perks but it’s essential your home-based business is properly insured and [...]

As a homeowner, you want to make sure your home is protected adequately.  After all, this may be your biggest investment. However, some things aren’t what they seem when it comes to your home’s value especially with home values continuing to rise over the last few years. If you are a homeowner or planning to [...]

Warmer weather is on its way and that means a lot of different things to many people.  It may mean plans for outdoor gatherings, family cookouts, and yes, a vacation! Vacations take time to plan…where you will be staying, budgeting money, and planning the excursions, but what about the threat of identity theft?  Nobody likes [...]

Solar energy has become a topic of debate as the “up and coming” energy source.  What used to be an unconventional and pricey alternative energy source is now becoming more widely used and acknowledged by many homeowners and businesses.  In fact, solar energy is experiencing strong growth in the U.S. and with an increasing number [...]

The next time you get into your car, look around and you will see many distracted drivers doing everything from putting on makeup, texting on their cell phones, adjusting the radios/navigation, or turning their head around to look for something in the back seat. In fact, you may be guilty of doing this as well; [...]

Nobody likes to think about catastrophic accidents happening, but they do!  Within a split second, tragedy can strike, and you need to be prepared by having the right type of protection in place. Imagine having a pool party for your son’s graduation at your home.  Everyone is having a good time until the unthinkable happens… [...]

Going to dinner and having a few drinks at an establishment sounds enjoyable, but what about the person who drinks too much and then gets into their car and causes an auto accident? The insurance industry is well aware of the bar and restaurant risk exposures caused by one major contributing factor…alcohol. If you are [...]