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!



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.



 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.



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.



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.