If you regularly carry young passengers in your auto, have you done everything possible to make sure they're safe?

You may be frustrated with car insurance premiums that creep upward with each renewal.

Protect your property take reasonable steps to a faster recovery and to protect your property from further damage.

How an Inventory Can Help You If a disaster strikes, this is how a personal property inventory will help you

It is estimated that of all the insurance claims processed in the South, only 5% of homeowners had a well documented inventory. As a Club member, we provide you a software program that can quickly get you organized for any household disaster.

Homeowner (HO) policies aren't meant to insure in-home businesses. HO premiums assume that coverage is for a residence and related structures. Therefore no liability coverage is available for business activities such as customers who slip and fall on your premises, damage to business property (owned or in your control), injury caused by things you make (products liability), or damage due to services that you promote or provide. It is also unlikely that an insurer would provide a legal defense against business related claims.

Making Home Improvements? Talk to Your Insurance Agent about the impacts of remodeling and the changes to your home's value here's some tips on policy changes.

First, there IS a difference. Webster's Encyclopedic Unabridged Dictionary of the English Language has the following to say:

Unoccupied: without occupants, but not devoid of furniture or other furnishings.

Vacant: having no tenant or contents; empty, void.