Straight From The Source Blog by Higginbotham Insurance

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.

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.

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.

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.

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.

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.

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. 

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.