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Straight From The Source Blog by Higginbotham Insurance


Condo insurance vs. homeowners insurance for a townhouse

February 04 , 2021

Townhouse

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


When a windstorm or hurricane strikes, will your property insurance provide coverage?

September 16 , 2020

hurricane blog

For businesses and homeowners alike, Hurricane Laura was yet another stark reminder of the power and fury of windstorms. With sustained winds as high as 95 mph in Lake Charles, LA, and gusts recorded as high as 150 mph in other places, Laura caused 59 deaths and nearly $9 billion in damage in Texas and Louisiana.

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Tags: Home & Auto, Business Insurance


Home insurance can give you more than just coverage for your home

August 26 , 2020

home insurance

 

We typically purchase homeowners insurance to protect our largest investment – our home. But homeowners coverage, and often condo and renters insurance too, includes many other items besides your home. Let’s take a look at just a few items that might be covered by your homeowners insurance carrier. 

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Tags: Home & Auto


Six tips for firework safety

July 01 , 2020

fireworks

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Tags: Home & Auto


Three things to do before leaving for a vacation

June 17 , 2020

home security

Ah, summer. As U.S. states begin relaxing their stay-at-home orders, many families are itching for a change of scenery and planning a summer trip. Even if you’re not traveling far, keeping your home safe while you’re away is just as important if you’re headed off to another continent. Ponder these three points to keep your home safe from burglary while on vacation.

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Tags: Home & Auto


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