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homeownersinsuranceHow much is too much? How much is enough?

If you are preparing to buy a home you should know that you'll need adequate insurance to cover the house and all your belongings in it. The peace of mind knowing you have insurance coverage in case of theft, fire or some unexpected accidents will be quite valuable in helping you rest at night. The question is: just how much insurance do you need? We can help you understand the basic coverages as well as “add ons”  to your policy that will help you determine exactly what you need.

Use this quick outline of coverage typically included in a homeowners policy. There are also some other considerations based on where your location and what you actually own.

backtoschoolAre your kids ready for for Back-to-School season?


That time has rolled around again! The time for not only your kids but parents as well to get ready for the new school year. We've curated some great tips to help with the process of getting ready.

All the summer vacation trips are in the history books. Celebrating July 4th just flew by (sans any bottle rocket injuries we hope!). Now it’s time for the crazy dash back-to-school. Becoming overwhelmed with School supply lists is a real risk, so be sure to to follow these helpful hints for getting your kiddos ready to resume the study halls!

policy

Insurance helps to mitigate the impact on your family, should you become unable to provide for them in your normal capacity. Riders can tailor your policy to better serve this purpose.

In the event of the loss of life or disabling injury to someone who is a primary provider for a family, or a business, severe negative impact can occur for family members, employees, and stakeholders.

Insurance policies are generally designed to reduce the impact of these conditions. Policy riders  can tweak a policy's particular provisions for specific kinds of conditions.

 

15thingshomeownersinscovers

Here are about 15 events you probably didn't know your homeowners policy covers!

Most people don't read their entire homeowner's insurance policy, assuming that all policies are the same and everything is covered. This of course isn't true. Depending on what state you live in, the type of property insured, etc., each insurance policy is different. Make sure you regularly sit down with an informed and knowledgeable agent, such as one of the agents at The Liveoak Agency, and go over your insurance need!

 

springbreak

 Spring Break Crime Prevention Tips from our friends in the Montgomery Police Department.

Sergeant David Hicks of the Montgomery Police Department has some suggestions to help you avoid becoming a victim of crime during the Spring Break vacation period.

Spring break is almost here and many of you may be planning a much needed vacation. The last thing you need after a relaxing vacation is to return home and find that you have been a victim of a criminal act, especially a burglary. Here are a few tips that may keep you from being a victim.

 

homeownersinsurance

Do you know what the average Homeowners Insurance Premium is in Alabama?

As of February 2019, Alabama’s homeowners insurance premiums are actually higher than the national average! Alabama homeowner insurance premiums are approximately $1,360 per year whereas the nationwide average is only around $1,170. Homeowners insurance premiums can vary quite a bit depending on many factors such as the size of your home, the quantity and nature of your assets, as well as your physical address.

 

homealarmsystem

A home security system could make as much as a twenty percent reduction in cost on your homeowners insurance.

Having a monitored security system installed can make your home and property safer and save you money as well! The FBI reports that homes without security systems installed are three times more likely to be burglarized.