Home Insurance Basics

Getting a money saving quote on your Arvada, CO home insurance can be relatively simple if you know the basics. You will need to have some simple information about your home to get an accurate quote. 

  • You will need your home’s actual street address.
  • A description of your home including what material it is constructed of, how many stories it has, and how many rooms there are.
  • The year your home was built.
  • The square footage of your home.
  • Safety and security features of your home including alarms systems, deadbolt locks, and flame retardant roofing materials.
  • Distance to the nearest fire station.
  • Distance to the nearest fire hydrant.

Your insurance agent can help you determine the type of coverage and limits that may be best for you. They can also let you know the impact a higher deductible may have on your rate.

Another basic you should know is that one of the best ways to save on your home insurance is by comparing. A good place to start is with an independent insurance agency like Alliance Insurance Services. As an independent insurance agency, our agents can compare rates from multiple companies. This greatly increases your opportunities to save money without sacrificing coverage. If you have your basic information you can get a quote right online from our website. Once you submit your info, we will get to work finding you the coverage you deserve at a price you can appreciate.

Alliance Insurance Services is pleased to serve the Arvada area, its homeowners and businesses with a complete line of insurance products. We pride ourselves in finding our clients excellent coverage at affordable rates. Once you have your basic information, contact us. Let’s see just how much money we can save you.

 

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4 Reasons to Purchase a Business Owners Policy

Owning your own business can be a rewarding experience. But how do you know you are fully covered against certain losses? This is where having the proper insurance coverage can help. Here are four reasons to purchase a business owners policy.

#1: Property Coverage
One important aspect to a business owners package policy is that it includes property damage coverage. This means that your building and any contents inside the building are covered, should you have a claim. Special conditions apply depending on what type of package you select, but the majority of business policies offer some sort of coverage for your company’s belongings.

#2: Limited Liability Coverage
The limited liability coverage portion of the business owners package policy is designed to help cover you legally should a client or visitor become injured at your location. While the exact terms of this vary, the majority of slip and fall cases are situations where a customer was harmed by a product your company created.

#3: Business Interruption Protection
Some business owners package policies even offer coverage against an interruption in your ability to operate your company. This means that if your location is destroyed by fire or some other named peril, the policy will pay for you to rent out an alternate location to conduct business.

#4: Technology Coverage Option
Most business owners policies also offer the opportunity to purchase an additional rider for technology coverage. This can help protect your business should a digital data problem occur, such as hacking or server malfunction. It is important to note that this additional coverage is generally optional.

There are several different business owner package policies to choose from. Speaking with your agent is often the best way to determine which one is right for your company.

For more information on purchasing a business owners policy in Colorado, please contact one of our independent insurance agents today at Alliance Insurance Services.

 

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