Why do I need a home inventory

Owning a home comes with a lot of responsibility. One of those responsibilities is home insurance. Home insurance has several parts and one of those parts is content coverage. If you are like most people, you can’t remember what you had for lunch today let alone everything that you own in your house. In order to make sure that all the things that you own are covered under your home insurance, you need a home inventory so that you can come up with a value that makes sense. At Alliance Insurance Services our goal is to make sure that everyone in Arvada, CO has the insurance that they need. 

What a home inventory does is to list all the items in every room, nook, and cranny of your home. This includes closets, basements, and attics. Once you start to do yours, chances are you will be amazed at all the things you own. Off the top of your head could you remember all the Christmas ornaments you have? Tools in the basement? Dishes in the cupboard? Chances are you don’t have a clue. What is your home was flatten by a tornado or consumed by fire? How would you prove what you had previous to the disaster? 

If you do a detailed home inventory and store it in a safe place with any photos and backup information you will be able to provide that to the insurance company and any claim that you have will go much more smoothly. Simply stated, you need a home inventory to protect yourself. 

At  Alliance Insurance Services our experienced team has been helping the residents of Arvada, CO for years. We are ready to add you to that list. Give our office a call or stop by and we will talk about the benefits of a home inventory. 

 

Insuring Your New Teen Driver

Seeing your teen get their driver’s license is a thrilling time for both you and your teen, but it can come with some added stress. From finding driver’s education courses to purchasing and insuring a new vehicle, there is a lot to keep track of! At Alliance Insurance Services in Arvada, CO, we want to make sure your teen is ready for the road. Below, you’ll find a few things you should know about insuring your new teen driver. 

New drivers aren’t required to have auto insurance when they have their permit, but you may want to consider adding a policy that covers operators and drivers for added protection. This type of policy is beneficial for teen drivers who don’t have one particular vehicle they will be driving and will be alternating between cars on a regular basis. Once a teen receives his/her license, it is typically more cost-effective to add the driver to an existing car insurance policy. Consider adding your new teen driver to your plan within 30 days after receiving their license. Teens are subject to the same auto insurance requirements as other drivers in Colorado, which means they must have state minimums for bodily injury and property damage liabilities.  As an independent insurance agency in Arvada CO, our team at Alliance Insurance Services can help parents of new teen drivers shop around for the best coverage. We partner with a number of well-known insurance companies so you can get a policy that fits your needs and budget. 

Alliance Insurance Services can help make sure your new teen driver is ready to hit the road with the proper auto insurance policy. Learn more about the type of policies we offer by calling our office in Arvada, CO or visiting our website.