Property Insurance

Owning a home is a big and exciting step, and so is the responsibility that comes with it. A quality home insurance policy helps protect your valuables, your guests, and your personal liability if life ever takes a turn for the worse.  We offer property insurance to provide protection against most risks to property, such as fire, theft and weather damage.

Types of Property insurance that Alliance Insurance Agency offers:
• Primary Homes
• Condos
• Associations
• Townhomes
• Cabins
• Seasonal Getaways (We are licensed in Arizona!)
• Rental Properties
• Farms

 

 

What does a standard home policy cover? Limits and exclusions apply. Please check with your agent.

Dwelling Coverage
Other Structures
Personal Possessions
Loss of Use
Personal Liability
Medical Payments

Animals can be covered. Please contact your agent to verify that your animal is covered under your current home policy.

Your homeowners policy may cover ownership of a pool or a trampoline. Please check with your agent before purchasing or installing.

 

What does a standard home policy not cover?

Licensed/Registered Items – Examples include: Automobiles, Recreational Vehicles, Motorcycles, Watercraft and Others
Floods – A separate policy will be needed for this coverage.
Insects or Rodents
Erosion or Ground Movement
General Wear and Tear
Negligence – Failure to use reasonable care
Business Exposure – Coverage may be added. Please discuss with your agent.

 

DISCOUNTS

Our companies offer a wide variety of discounts for home insurance. Check your policy to see if you are saving with these discounts.

***The following discounts and guidelines may vary by company***

Multi-Policy – Save by bundling multiple lines of insurance with a single company. (Home/Auto/Umbrella) (Discount applies on your auto policy)
New Purchase – Save when you purchase a home or switch from a current renters policy.
Updated Roof – Save by having an updated or new roof on your home. Most companies show the roof is qualified for this discount if it is less than 15 years old.
Automatic Backup Generator – Save if you have a qualifying backup generator.
Mortgage-Free – Save if you do not have a mortgage or line of credit on your home.
Alarm Systems and Safety Devices – Save if you have qualifying burglar alarms, fire alarms, automatic sprinklers, and security systems installed in your home.
Pay in Full – Save by paying for your 6-month or yearlong policy up front.
Paperless – Save by opting to receive your documents via email.