January 14, 2025
AgencyHow Personal Umbrella Insurance Fills Gaps in Your Primary Policies
Liability insurance can play a critical role in your short- and long-term financial stability, as well as your daily peace of mind. No level of personal responsibility or risk-averse lifestyle can ensure you’ll never be in situations where other parties blame you for their financial losses. In the wake of such allegations, you may require […]
December 18, 2024
AgencyHow Auto Insurance Rates Differ Between Urban and Rural Drivers
Auto insurance rates can vary significantly based on various factors, including the location where the vehicle is primarily driven. One of the most notable distinctions is between urban and rural areas. While your location impacts your auto insurance premiums, other factors, like your driving record, how much coverage you need and the value of your […]
October 21, 2024
southerninsUnderstanding the Differences Between Street-legal Golf Cart Insurance and Standard Auto Insurance
Golf carts can offer a convenient and enjoyable means of short-range transportation. However, while smaller and limited to lower speeds, golf carts are still motor vehicles with inherent risks and exposures. Potential incidents involving a cart could be particularly troublesome for those driving on public roads, furthering the need for adequate insurance. Understanding coverage options […]
September 18, 2024
AgencyUnderstanding Personal Property Coverage in Renters Insurance
While renting your residence may not come with the same amount of responsibility as owning a home, it is still essential to consider purchasing an insurance policy to financially protect your assets. Your landlord’s policy does not cover your personal belongings, meaning if an unexpected event, such as a fire or burst pipe, occurs, you […]
August 22, 2024
AgencyThe Impact of Weather and Natural Disasters on Watercraft and Boat Insurance
Boat insurance can be an essential tool to help financially protect your watercraft from expensive incidents, such as accidents and destructive weather. As a boat owner, it’s critical to understand boat insurance basics to invest in the right coverage for you and your vessel. Whether you stay on one body of water or explore many […]
July 15, 2024
AgencyFleet Safety Programs: How They Can Lower Your Insurance Costs
Implementing robust fleet safety programs can enhance driver safety and reduce insurance costs. The Southern Insurance AL LLC team can help you understand your organization’s fleet safety program options. Our agents can provide personalized truck insurance quotes and assist you as you seek to reduce your premiums by implementing a safety plan. Understanding Fleet Safety […]
June 18, 2024
AgencyInsuring Street Legal Golf Carts
Despite their smaller stature, owning and operating a golf cart requires you to account for many of the same risks and exposures as you might for a car or larger vehicle. Golf carts can still reach relatively high speeds and may inflict significant injuries or property damage during collisions. Furthermore, these vehicles often represent substantial […]
April 24, 2024
AgencyBoat Insurance for Different Types of Watercraft: Sailboats, Powerboats and Personal Watercraft
Understanding the nuances of Br injury. The type and horsepower of the engine, along with the boat’s primary use, are crucial in determining the insurance policy specifics. Personal Watercraft Insurance for personal watercraft like jet skis often includes considerations for the unique risks posed by these agile and fast-moving vessels. Due to their size and […]
March 25, 2024
AgencyUnderstanding Seasonal Coverage: When to Adjust Your RV Insurance
Whether you’re a full-time RV traveler or use your recreational vehicle (RV) for weekend getaways, protecting your investment with the right insurance coverage is essential. Recreational vehicle insurance can provide financial protection for various types of recreational vehicles, including motorhomes, campers, travel trailers and fifth wheels. Depending on the time of year and your usage, […]
February 20, 2024
AgencyInsuring a Vintage or Classic Motorcycle: Special Considerations
Motorcycles often represent significant financial investments and include various risks on the open road. Classic, vintage or antique vehicles can carry especially high value and may require even greater financial protection. What Is Classic Bike Insurance? Coverage for your classic bike may go by many terms, including classic, vintage and antique motorcycle insurance. Regardless of […]