Straight From The Source Blog by Higginbotham Insurance

Is landlord insurance more expensive than homeowners?

May 11 , 2021

Landlord blog

In terms of monthly cost, the premiums for landlord insurance are more expensive than homeowners insurance. However, nothing would be more expensive than filing a claim for damage to your rental property and finding out that you are not covered under your regular homeowners insurance.

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Tags: Home & Auto

Why car insurance rates are going up

May 06 , 2021

Car insurance

Have your car insurance premiums been going up? You’re not alone. Auto insurance premiums have been climbing for about a decade now. Here’s a look at how much car insurance costs are increasing, why car insurance costs are going up and what you can do about it.

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Tags: Home & Auto

What to check when buying a used car

April 20 , 2021

Buying a used car

So you’ve decided to purchase a used car. Great! There are a lot of advantages to buying a used car versus new; the biggest one being that you don’t take the depreciation hit that a new car comes with as soon as it’s driven off the lot.

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Tags: Home & Auto, Lifestyle

Is earthquake insurance worth it?

April 06 , 2021

Earthquake blog

If you have homeowners insurance to protect your house, you might think you have all the coverage you need. This isn’t always true. Homeowners insurance provides protection against many common risks, but some risks are typically excluded. You may already know that flood insurance has to be purchased separately. Likewise, earthquake coverage is typically excluded from home insurance policies, so coverage must be purchased separately.

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Tags: Home & Auto

Condo insurance vs. homeowners insurance for a townhouse

February 04 , 2021


Getting the right insurance for your home is essential. If you live in a townhouse, you may be wondering whether you need condo insurance or homeowners insurance – or something else. The answer will depend on your exact situation.

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Tags: Home & Auto

Do I need to keep my insurance during the off-season?

January 12 , 2021

motorcycle in winter

Now's the time to enjoy some amazing winter excursions. Each year we’re asked by many of our customers about the possibility to cancel your insurance policies on their summer toys like motorcycles, RVs, boats and ATVs. While you may not be using these alternative vehicles during cold weather months, your vehicles can still be damaged, and an insurance claim would need to be made to your insurer. If you cancelled your insurance policy, you may be forced to pay for repairs or replacements out-of-pocket. During the cooler months while your toys are parked, events can still occur - like damage or theft - that might get expensive without a valid insurance policy.

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Tags: Home & Auto

How to inspect your roof for damage

December 22 , 2020

roof damage

We all know that owning a home is an expensive investment. Unfortunately, you can’t just move in and let it set. Homes require constant maintenance to ensure you don’t get costly damage. We suggest doing a yearly home inspection.

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Tags: Home & Auto

Fall weather dangers: be alert!

November 25 , 2020

Winter weather

Fall is one of our favorite seasons! The leaves, the cooler, shorter days and of course, pumpkin spice everything. There are some seasonal dangers associated with fall that can be quite hazardous if you're not prepared. Knowing what these dangers are and how to anticipate them can mean the difference between a lovely, relaxing fall and having to file a potentially costly insurance claim.

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Tags: Home & Auto

5 things to discuss with your teen driver

October 21 , 2020

teen driver

This week is National Teen Driver Safety Week. According to National Highway Traffic Safety Administration, the leading cause of death of teenagers from 15-19 years old in the United States is auto accidents. In order to decrease these numbers, it’s important for parents to sit down with their children to discuss the dangers of driving.

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Tags: Home & Auto

21 scenarios that would warrant an umbrella insurance policy

October 07 , 2020

umbrella insurance

Umbrella insurance is a type of personal liability insurance that can cover claims in excess of your regular homeowners, renters or auto policy coverage. It can protect not just the policyholder, but also members of your family or household, and it can cover injury to others or damage to their possessions. There are many scenarios that would warrant the need for an umbrella insurance policy. We outline a few of them here.

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Tags: Home & Auto


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