Personal Insurance
Personal Insurance Services to meet yours needs.
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Personal AutoPersonal Auto
Most states have insurance laws that require drivers to have at least some automobile liability insurance. These laws were enacted to ensure that victims of automobile accidents receive compensation when their losses are caused by the actions of another individual who was negligent. We recommend carrying much greater limits than state minimums. You have to ask yourself the question "If I'm involved in an at fault accident, do I want to pay for it myself or do I want to pass that unknown risk to an insurance carrier at a known risk (premium)?"
Collision Physical Damage Coverage is defined as losses you incur when your automobile collides with another car or object. For example, if you hit a car in a parking lot, the damages to your car will be paid under your collision coverage.
Comprehensive Physical Damage Coverage provides coverage for most other direct physical damage losses you could incur, including theft. For example, damage to your car from a hailstorm will be covered under your comprehensive coverage.
A number of factors can affect the cost of your automobile insurance, some of which you can control and some that you can't.
The type of car you drive, the purpose the car serves, your driving record, and where the car is garaged can all affect how much your automobile insurance will cost.
Even your marital status can affect your cost of insurance. Statistics show that married people tend to have fewer and less costly accidents than single people do.
For More Information you may call Judy Goode at Southern Risk Services Insurance Group, LLC, (256) 442-3443 or email Judy. 
Homeowner's
Buying a new home is one of the most important decisions you'll ever make. Whether you’re buying your first or building the custom house of your dreams, you need to take the right steps to protect your home and your family from risk. One of the most overlooked details of home ownership is the right dwelling policy. Many homeowners assume that all policies and all agents are the same, but this couldn’t be further from the truth. Your homeowner's policy should be part of your family's overall financial plan. Our approach to protecting you and your property from risk includes getting to know you better and understanding your long-term financial goals. Most importantly, it includes staying in touch to adjust your coverage to meet your ever-changing needs.
You may find it helpful to have a copy of your current home insurance policy nearby when you talk with our Homeowner Insurance Specialist. It will make the process easier for you, and will ensure that your comparisons are accurate. All rate quotes depend on the accuracy of the details that you provide us. Not all coverage and limits are the same or appropriate for everyone. We consider each policyholder unique, so the more accurate your input, the better and faster we can fulfill your needs.
For More Information you may call Judy Goode at Southern Risk Services Insurance Group, LLC, (256) 442-3443 or email Judy.
