Month: March 2014

It’s well-known that most homeowners insurance policies cover a broad range of items stolen in the event of a theft. However, most people assume that such coverage is limited to items that are located within the home. But what if you’re out and about in Fort Collins, Colorado and you fall victim to a loss or theft of your jewelry?

Most people don’t realize that their jewelry, laptops and other items covered under their homeowners policy are also covered outside of the home. Such events may be covered under an off-premises provision or rider attached to your homeowners policy. This allows your homeowners policy to extend coverage of your private property if you have jewelry or other high-value items robbed or lost while you’re away from home. Depending on your specific policy, this coverage may be available to you without a deductible.

However, there may be limitations to off-premises coverage. For instance, you may run into upper limits for jewelry and other high-value items. Also, certain items that fall under your auto insurance or boat insurance policies may not be covered under your homeowners policy. This coverage might not be available in all areas, especially in places with high crime rates.

As your independent agent, we can help you navigate ins and outs of your homeowners policy and provide clear answers for those important questions about your coverage.

Whether you’re in Fort Collins or Arvada, you don’t want to be caught without the insurance coverage you need. By comparing quotes with Alliance Insurance Services insurance, you’ll be able to find out what options you have at your disposal to keep yourself and your family safe no matter the circumstance.

Cracks in a pipe due to root infiltration can cause a variety of concerns for your property in Arvada, Colorado. Depending on your homeowner policy and the details of your plan, you may or may not be covered for the cost of a perma liner installation to repair the damages.

Basic Plans

A basic homeowner policy may offer insurance coverage for factors that are beyond your control, such as root infiltration, but there may be clauses or exceptions that limit the coverage amount. For example, an insurer may have an exception regarding cracks from root infiltration if the plant is located on your property or if it is within a certain distance of the house.

Clauses and exceptions usually relate to the risk of the situation. Depending on your policy, there may or may not be exceptions that prevent you from making a claim.

Fixing Your Pipes

In many cases, insurers will offer solutions to help pay for the damages to your pipes throughout the home. As long as you take appropriate measures to maintain your property according to the requirements of your policy, an insurer may have solutions to pay for the perma liner installation.

Every Alliance Insurance Services insurance policy is different, so the details of your plan can vary slightly. Do not assume that you are covered unless you find the details in your current policy.

If you are not sure about the coverage in your plan or if you want to purchase a new plan, then working with an independent agent can help you find appropriate solutions. An agent will help you compare your options based on your specific concerns. Contact us to talk to an agent to learn more today.