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!
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.
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.
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.
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.
A victim of Identity theft can spend many months and sometimes years correcting the damage done by fraud caused by the theft of information associated with their bank accounts and credit cards. Just getting a credit rating corrected can be a nightmare. Take the following advice to protect yourself against identity theft.
Festive candles and lights, electrical cords, trees and seasonal plants, and even baking and food serving activities all pose potential risks for injury or loss. Be sure you're being as safe as possible while enjoying your Christmas and New Year festivities!.
It is a huge mistake to assume that damage or loss of your property will be covered by a landlord's insurance policy!. Rental property owners commonly carry only enough insurance to repair or replace the building or structures. It is the renter responsibility to insure his or her own personal property..
If something catastrophic happened to your home (fire, tornado), would your insurance policy be enough to cover the cost of rebuilding it?
If your home is not insured up to its full replacement cost, you might have to come out of pocket to build it anew! Depending on how much time has passed since you first insured your home, how many and what kind of improvements you've made over the years, you may not be insured adequately to cover the full cost of rebuilding.
With 31 years of experience insuring the River Region and Southeast Alabama, Liveoak Agency, Inc. is prepared to handle all your insurance needs with unsurpassed service and quality!
4791 Main Street, Millbrook, AL 36054 | Ph: 334-285-2881 | Fax: 334-285-2885 | firstname.lastname@example.org