homeowners

Builder's Risk Insurance

Builder's Risk Insurance

The area known as the Eastern Shore here in southern Alabama ranks as the #1 fastest growing area in the state! It goes without saying that this is prime territory for new homeowners, home builders and contractors alike. If one of those three categories describes you, then it’s very likely that you can find some useful information in this post.

A Simple Guide to Coverages and Deductibles

A Simple Guide to Coverages and Deductibles

Low monthly or annual payments sound good. The only problem with that is depending on the amount of your deductible, all that money you thought you were “saving” by raising the deductible, could be gone the moment you have to pay out of pocket for a claim. Down in Spanish Fort, AL we have the threat of what’s called a hurricane! It’s not an issue of IF we will have another, IT’S WHEN! So that 10% deductible makes that premium amount look great, but if your home is worth $200,000, and your deductible is 10%, then you’ll have to pay $20,000 before insurance will ever kick in! Let that soak in before you start thinking about jacking up your deductible.

Drone Insurance: Buy Before You Fly

Drone Insurance: Buy Before You Fly

The drone industry is perhaps one of the fastest growing industries today. Ranging from less than $100 for a small drone to fly around your yard, all the way up to, and in excess of $1,500 for drones decked out with GPS systems, state-of-the-art cameras, and MUCH more. Whether they are being used for personal pleasure or in a commercial setting, drones are everywhere. In recent months we have received several phone calls in regards to drone insurance for drones on the higher end of the price spectrum.