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Holiday  Parties

Whether you're hosting a Christmas party for a dozen friends or a Super Bowl shindig for 50, if you're serving alcohol at your home, you should make preparation to limit your liquor liability, make sure you have the right insurance and reduce risk for your friends.

homeownersinsurance

Winter is coming! It's time to fix some of those places you lose heat (and money) to in the chilly weather! Here's a list o areas to address first!

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!

homeownersinsuranceLife insurance is a vital part of family financial stability. Like a lot of people, shopping for coverage may make you feel stressed. Here are 8 tips to help you!

Having a relationship with your insurance agent that allows you to relax and discuss your needs openly and frankly is key. At Liveoak Agency, we want to make sure you are covered adequately and affordably for the real risks you face. These questions and more are where we start when designing your best coverage options.

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!

 

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.

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.