Straight From The Source Blog by Higginbotham Insurance

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.

Shelter in place orders to help stop the spread of COVID-19 forced the cancellation of family events across the U.S., many of which had been meticulously planned for months in advance. This pandemic highlights the importance of special event insurance. Whether you’re planning a wedding, Quinceañera, baby shower, religious ceremony or other special event, there’s much to consider to make it perfect – determining your guest list, vendors, decorations, food choices and all the small details. The last thing you think about is having an insurance policy for your event. But a special events insurance policy acts as your protection from a variety of claims that might occur on your big day – and in times like these, it’s important to be prepared for the unexpected. 

Umbrella coverage offers attractive protection for those who worry that their limits might not be high enough or that insurance gaps might be leaving them exposed. Unfortunately, current insurance market conditions may be making umbrella coverage more difficult to obtain. Here’s why you should prepare for umbrella coverage’s shrinking capacity. 

We’re all flooded daily with car insurance commercials claiming that shopping with them will get you the lowest insurance premiums of any insurer out there. Saving money on your insurance is important, but the lowest insurance premiums are usually accompanied by the lowest insurance coverage. 

Exercise Diligence When Leaving an Online Review

Simple pieces of technology can keep your home safe from burglary. Well, wouldn’t it be great if technology could help us avoid other claims like water damage, fire and freezing damage? It is!

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!