If you are a homeowner, you may take your homeowners insurance rate for face value without considering the varying types of rates others have. Most people may not know there are factors that may impact your homeowners insurance rate, but it is helpful to find out what they are. Below Are Some Considerations That May [...]

The excitement of the holidays is over, and winter is upon us.  While you may be excited to experience snow and winter weather conditions, you may not be as thrilled if you fall on a slick surface this winter.  Falling onto a hard surface can be shocking to your body and can cause many injuries [...]

Most businesses rely on third parties to obtain (at least some) of their materials to have a completed product to sell.  But what happens to the primary business when the products become difficult to get or there is a huge time delay?  On almost every given day there is news of supply chain risks and [...]

Cold weather is upon us, and you can expect even more severe cold temperatures in the upcoming months.  There is nothing worse than going outside in severe weather, whether there is ice, snow, freezing rain, or just plain cold, and getting into a car that won’t start or is having issues.  Winter can be rough [...]

The work of a contractor is multi-faceted from juggling appointments, getting the crews organized, quoting jobs, and overseeing the projects.  That is, in itself, time consuming, but what about coverage options available for contractors?  Sounds simple enough for the typical items that need to be insured such as materials, equipment, and your business vehicles/trailers, but [...]

Accidents happen all the time, whether your car or house gets damaged, or someone falls on your property. But how does insurance come into play when losses happen?  Most people understand that insurance is essential, but what many don’t understand is the coverage options and how they apply to a covered loss. If you experience [...]

If you are considering a commercial/home renovation or new construction, you may not realize what type of insurance protection you may need.  You may wonder if it will be covered under your Alabama homeowners insurance.  Or perhaps you may think it is financially smarter to take a chance of experiencing a loss instead of taking [...]

Owning a home comes with much pleasure and comfort, but also a lot of responsibility.  Homeowners insurance is one of those essential responsibilities to protect perhaps your biggest investment.  You may be familiar with the typical homeowners insurance coverage options such as Dwelling, Other Structures on Your Property, or Personal Liability, but what about a [...]

If you own a home or an auto, you understand that insurance is essential.  Not only for a legally mandated reason, but also for protection against claims that can and do happen to homes and autos.  The topic of insurance, alone, can be confusing for many, not to mention the discussion of deductibles. Once you [...]

One thing we know for certain is that life changes.  When you become a first-time homeowner, your financial and marital status may be one thing, but in 5 to 10 years that can quickly change.  Buying a home is a financial commitment but also one that can grow into a family that you want to [...]