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As a savvy consumer, you should review your liability limits on homeowners, auto and umbrella insurance policies. Liability coverage pays for injuries or property damage that you cause to others. In today’s litigious society, with rising medical costs and jury awards, inadequate limits can put your savings, home and future earnings at risk. Homeowners liability […]
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It’s the dreaded phone call far too many people have received: a family member was injured in a terrible motorcycle accident. He or she was airlifted to a trauma center with broken bones and has years of painful recovery ahead. This tragic realty affects over 200,000 motorcyclists who are treated in emergency departments annually for […]
Photography by Tilley Photography After years of working together in the insurance industry, Karleen B. Southard and Royal J. Spragio developed a bond of trust and respect — as well as a shared dream. Both born and raised on the Coast, the colleagues envisioned an agency where they could operate differently — and better — […]
With hurricane season approaching, now is the perfect time to give your home and business property a little extra attention. A few simple steps now can prevent costly repairs later — and will help ensure your insurance coverage works the way you expect when you need it most. SMART MAINTENANCE TIPS Inspect your roof and […]
Selfcare isn’t just about taking a break or having a spa day; it’s also about ensuring that a sudden health setback doesn’t derail your finances or your business. More women are beginning to recognize that true wellbeing includes protecting their bodies, their income and their longterm stability. Women tend to live longer, often earn less […]
Insurance coverage — both personal and business — is more than a safety net; it’s a strategic shield against life’s unpredictability. As we end 2025, understanding and maintaining the right coverage is essential for financial resilience and peace of mind. PERSONAL INSURANCE: This protects individuals and families from financial loss due to accidents, illness, property […]
Health insurance is essential, but navigating it can be tricky — especially for younger adults and those on Medicare. Each group faces unique challenges that can lead to costly mistakes or denied claims. Understanding these pitfalls and how to stay healthy can save you time, money and stress. WHAT YOUNG PEOPLE SHOULD KNOW For younger […]
