Straight From The Source Blog by Higginbotham Insurance

Imagine if we could buy just one insurance policy and be set for life. That’s a nice thought, isn’t it? Like the good things that happen in life, your insurance policy should change and adapt to your situations. The beauty of having a local, independent insurance agency is that it represents multiple insurance companies – one that surely will fit your current and future needs. Some things to consider when reviewing your current insurance:

You see it all over the news – data breaches at major retailers that potentially compromised shoppers’ debit and credit cards. While your banking institutions and credit card issuers do offer some protection against fraudulent charges to your accounts, did you know that your homeowner’s or renter’s insurance may offer additional protection if your identity is stolen?

During the holiday season, most of us are focused on family gatherings, good food and giving back. What most of us don't think about is the rise in theft during the holidays. Homes are burglarized, contents are stolen from cars and people’s identities taken — start thinking about these ways to protect yourself from thieves this holiday season.

You’re planning a home remodel or some landscape work – great! Most people start this process by laying out exactly what they’d like, then calling multiple companies to get the best quote to have the job completed. After all, this is your palace, and it should be exactly as you’d like it!

Uninsured drivers are a huge problem across the United States. Each year billions are paid out in uninsured motorists claims. Even though uninsured motorists have steadily declined over the past decade, some states still have one in four drivers behind the wheel without insurance. You can protect yourself with insurance called uninsured motorist coverage.

Attending college is an exciting time for children. Whether it’s deciding where to go, what to major in or figuring the finances, there are a lot of decisions to think about. Before they leave the nest, here are three things to consider when it comes to having the right insurance policy.

Switching your car insurance policy can save you hundreds of dollars a year. But, make sure you consider these things before you make the switch to a different insurance company.

We’ve all seen the tents in parking lots claiming, “Free rock chip repair!” But, there is a hidden cost somewhere. Some insurance companies will pay the people at the tent to inject an epoxy into the chip in hopes that it doesn’t run and turn into a non-repairable crack. After all, the insurance company clearly sees that $40 is better than the $250 to have the windshield replaced.

If you’re like two out of every three people who rent a home, apartment or other dwelling, you don’t carry a renters insurance policy. The reason for not carrying renters insurance varies, but it’s important to understand that your landlord is not responsible for your personal belongings if they are damaged, stolen or otherwise. You alone are responsible for your things, so protecting them with a renters insurance policy is wise.

Sooner or later, a water source in your home will fail. Water damage is one of the most common home insurance claims, and the average cost of these claims in a year is more than $9,000. Water damage can be avoided, but knowing what signs to look for is important.