October 18, 2025
AgencyDo You Need Boat Insurance for a Small Fishing Boat or Kayak?
If you enjoy spending time on Alabama’s lakes, rivers or coastal waters with a small fishing boat or kayak, you may wonder whether boat insurance is necessary. Alabama does not require boat insurance for most small watercraft, including fishing boats and kayaks. However, you may be asked to carry specific coverage if you finance your […]
September 15, 2025
AgencyUnderstanding Liability Coverage: What Happens if You Hit Another Vessel?
Accidents on the water are often a boat owner’s worst nightmare. In addition to worrying about the possible damage to your own vessel, you also might need to account for other parties’ losses, such as if you crash into someone else’s watercraft. Given the potentially catastrophic consequences of boat collisions, understanding and acquiring appropriate boat […]
August 18, 2025
AgencyInsurance Tips for Jet Skis, Pontoon Boats and Speedboats
If you’re planning to enjoy waterways in , it’s essential to understand the importance of a comprehensive boat insurance policy. While some areas do not legally require insurance for recreational watercraft, having coverage is highly recommended for financial and legal protection. Without proper insurance, you could be personally responsible for costly accidents, injuries and property […]
June 25, 2025
AgencyCollision vs. Comprehensive Coverage: What’s the Difference and Do You Need Both
Auto insurance typically offers multiple coverage options. It can be challenging to understand what each type of coverage offers, especially when it comes to collision and comprehensive coverage. While you may have assumptions about what each type of coverage offers, it’s essential to dive deeper into their capabilities. What Is Collision Coverage? Collision coverage can […]
May 20, 2025
southerninsThe Difference Between Agreed Value and Actual Cash Value Policies
Insuring your valuable possessions may prove to be among the most important financial decisions you ever make. Accidents and mishaps can inevitably occur regardless of how careful you may be with your prized belongings or how diligently you maintain and protect them. The aftermath of these situations, which can carry not only financial implications but […]
April 20, 2025
AgencyDoes Your Auto Insurance Cover Road Rage Incidents?
Every driver, including yourself, should prioritize safe and responsible behavior. However, as humans, we’re often prone to letting our emotions get the best of us. These situations can be particularly problematic in already risky situations, such as while you’re behind the wheel. Road rage poses a significant danger to you, your passengers, and everyone you […]
February 20, 2025
AgencyHow Personal Umbrella Insurance Fills Gaps in Your Current Coverage
Auto insurance and homeowners insurance typically offer liability coverage for third-party bodily injury, property damage and personal injury. But what happens when those policy limits are exceeded? Umbrella insurance can pay off under these circumstances. What Is Personal Umbrella Insurance? Personal umbrella insurance is a type of policy that extends the liability coverage limits of […]
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 […]