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Alliance Insurance Services

5440 Ward Rd. Ste. 215
Arvada,Colorado 80002

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How Whole Life Insurance Works

Whole life insurance is one of the two main types of these insurance policies. It’s always essential to have a life insurance policy so that you can take care of those who depend on you after you are gone. Without a life insurance policy, your heirs could face serious economic hardships. Give us a call today at Alliance Insurance Services in Arvada, CO to get a whole life policy.

Good for Life

A whole life insurance policy is called this because it is good for your whole life. It doesn’t have an expiration date like term life insurance policies do. With a full-life policy, you can keep it for the rest of your life if you choose to. When you continue paying the premiums for a whole life policy, it cannot be canceled, even by the insurance company. No matter what age you reach, you can keep your policy. Many people like this for peace of mind and to ensure they can be insured when they get older. 

A Cash Value

Another benefit to this type of insurance is that, over the years, it will build up a cash value. This cash value is an amount that the policy is worth that you can borrow against. This is very helpful to have in place just in case of a financial emergency sometime down the road. This can give you a lot of peace of mind about those types of emergencies and give you options in case one should happen to you. Building up this value takes a few years, but it can be beneficial. 

Get Your Whole Life Policy

When you need life insurance, e can help. Call us at Alliance Insurance Services in Arvada, CO to find out more about these policies.

Tips to Prepare Your Car For Wet Winter Weather

Fall is here, and that means winter is close behind it. Unfortunately, many car accidents happen during wet or icy weather. Here at Alliance Insurance Services, serving the greater Arvada, CO area, we want to help you avoid as many accidents and mishaps as possible. Here are some tips to help you prepare your car for wet winter weather. 

Check Your Tires

One of the most important things to help prepare your car for wet winter weather is checking your tires. As you check your tires, you want to look for signs of damage to your tire, such as bulging along the seams or nails embedded in the tire. You also want to ensure your tires are inflated to the right amount of pressure. Finally, check the tread on your tires. If the tread is low, you should consider replacing the tires before you drive on wet or icy roads. 

Replace Your Windshield Wipers

Another important thing that you should do to prepare your car for wet winter weather is to replace your windshield wipers. You should also check your wiper fluid levels and refill them if needed. You want to ensure that you can see as you drive, and a streaky windshield makes it harder to see the road. 

Test Your Battery

Lastly, consider having your battery tested before winter. While a bad battery will not lead to an accident, it can leave you stranded if you go out on a cold day. As such, testing it and replacing it before cold winter weather hits are strongly recommended. 

Alliance Insurance Services, serving the Arvada, CO region, would love to help you find the right policy for your needs if you are looking for a new auto insurance policy. Reach out to us today to discuss what you need in an auto insurance policy. 

Does home insurance cover dog bites?

In short, the answer is yes. Colorado law requires dog owners to have liability insurance if their dog bites someone and causes injury. However, it’s important to note that not all home insurance policies cover dog bites. So, if you’re an Arvada, CO resident with a dog, check with Alliance Insurance Services to see if you’re covered.

What Does Home Insurance Cover?

Home insurance protects you from financial loss if your home is damaged or destroyed. Homeowners’ insurance policies typically cover four types of perils: fire, windstorm, theft, and liability. Most policies also include some coverage for medical expenses incurred by injured guests on your property.

What Doesn’t Home Insurance Cover?

While home insurance covers many unexpected events, there are some things that it doesn’t cover. For example, most homeowners insurance policies exclude flooding and earthquakes. And as we mentioned before, not all policies cover dog bites. Other standard exclusions include damage caused by pests, wear and tear, and intentional acts.

Things to Consider When Shopping for Homeowners Insurance

Before you purchase homeowners insurance, carefully evaluate what you need and how much you’re willing to spend. Other factors to consider are the right amount of coverage and the total replacement cost of your home and belongings. You can estimate how much it would cost to rebuild your house and replace all your possessions if they were ruined or stolen.

We Are Here To Answer Your Questions

If you’re an Arvada, CO resident with a dog, contact Alliance Insurance Services to talk to one of our agents. We can check your homeowner’s policy to see if you are already covered for dog bites. If not, we can set you up with the coverage you need.

Five Things You Need To Know About Motorcycle Insurance

Riding a motorcycle is one of the most exhilarating experiences on the open road. The wind in your hair, the sun on your face, and the sense of freedom that comes with cruising down the highway – it’s no wonder that so many people are drawn to motorcycle riding. But before you hit the road on two wheels, there’s one crucial thing you need to take care of: insurance. Here are five things you need to know about motorcycle insurance.

1. There Are State Requirements for Motorcycle Insurance

Most states have some insurance requirements for motorcycle riders, so it’s essential to check with your state’s motor vehicle department to determine the specific requirements. In general, you’ll need liability insurance if you injure someone or damage their property while riding your motorcycle.

2. Your Auto Insurance Policy May Not Cover Your Motorcycle

If you have an auto insurance policy, you may think it covers your motorcycle too. But in most cases, that’s not the case – you need a separate policy for your bike. Even if your auto insurer offers motorcycle coverage, it’s usually not as comprehensive as a stand-alone policy.

3. Motorcycle Insurance Rates Vary Based on several Factors

Your motorcycle insurance rates will be based on many factors, including the make and model of your bike, your driving record, where you live, and how much coverage you need. In general, though, motorcycle insurance is relatively affordable – especially when you compare it to the cost of repairing or replacing your bike if it’s damaged in an accident.

4. You May Need Additional Coverage for Custom Parts or Equipment

If you have any custom parts or equipment on your motorcycle, you may need to purchase additional coverage to protect them. Most standard motorcycle insurance policies don’t cover these items, so it’s essential to check with your insurer to see if you need to purchase a rider or an endorsement to get the coverage you need.

5. You Need to Review Your Policy Regularly

Your motorcycle insurance needs can change over time, so it’s essential to review your policy regularly to ensure that it still meets your needs. For example, if you buy a new bike or sell your old one, you’ll need to adjust your coverage accordingly.

Keep these five things in mind when shopping for motorcycle insurance, and you’ll be able to find a policy that meets your needs and helps you ride with peace of mind. For those in Arvada, CO, Alliance Insurance Services offers comprehensive motorcycle insurance policies to protect you and your bike on the open road. Contact us today for more information.

Things You Didn’t Know About Your RV Insurance Policy

Like most people, you probably didn’t give your RV insurance policy much thought when you first bought it. After all, it’s just another bill to pay every month. Your RV insurance policy is a complex document that can significantly impact your wallet if you don’t understand it. By taking the time to familiarize yourself with the ins and outs of your policy, you can save yourself a lot of money in the long run. Here are three things you didn’t know about your RV insurance policy.

1. Your RV Might Not Be Covered for All Types of Accidents

Many policies exclude certain types of accidents, such as those that occur while the RV is being used for commercial purposes. If you’re unsure whether your policy covers you for a particular type of accident, it’s always best to check with your insurer before making a claim.

2. You May Not Be Covered for All of the Contents of Your RV

Another common misconception about RV insurance is that it will cover all of the contents of your RV. However, this is usually not the case. Most policies limit the amount they will pay for personal belongings, so you must check with your insurer to see what is and isn’t covered.

3. You Can Change Your Coverage

Your RV insurance policy is not set in stone. You can always review your policy and make changes if you need more or less coverage than you currently have. You should do this regularly, as your needs may change over time.

Understanding these three things about your RV insurance policy in Arvada, CO can save you a lot of money and hassle in the long run. If you have any questions about your policy, contact Alliance Insurance Services today. We’re always happy to help our customers understand their coverage and ensure they have the protection they need.

How Whole Life Insurance Works

Whole life insurance is one of the two main types of this coverage. This insurance type is an effective policy that offers a death benefit at the insured’s death. It’s a great way to leave behind a legacy for those who depend on you. If you need life insurance in Arvada, CO, call us today at Alliance Insurance Services. 

Insurance for Your Whole Life

Whole life insurance is named because it lasts the rest of your life. If you were to get a term life insurance policy, it would have an expiration date after a certain number of years. However, whole life insurance can stay in place regardless of age. If you continue to pay the premiums as agreed, the policy can’t be canceled by the company. This is a great way to get peace of mind in knowing that you will be leaving something behind for loved ones no matter what. 

A Cash Value

Another benefit of these insurance policies is that they create a cash value over the years. They help policyholders to have access to a small amount of the profits that are made on the premiums by the insurance company. This is made available as a cash value that the policyholder can borrow. This works like any loan with monthly payments to pay back that cash value. This simplifies getting a loan if you should ever need one. This is another point that gives people peace of mind. If they ever find themselves in a financial jam, they can always borrow an amount from their policy to get out of it. 

Get Your Whole Life Policy

When you are interested in a life insurance policy, you can call us today at Alliance Insurance Services in Arvada, CO. 

Why should Colorado businesses get commercial insurance?

The Arvada, CO area is an excellent location for anyone to start a business. If you would like to be a business owner in this area, it is always a good idea to protect the company as well as you can. One way to do this is by getting commercial insurance, which can offer various advantages to business owners. 

Comply with Requirements

One of the reasons that someone should get a commercial insurance plan for their business is so they can comply with their requirements. It is common for someone in this state to have various commercial insurance requirements. If you have taken out a loan, raised money from investors, or even leased a place of business, you will likely have commercial insurance obligations. Carrying this coverage will ensure you remain covered and in good standing with your lender. 

Protect Business

Getting a commercial insurance plan to protect your business is also a good idea. Even if you are not required to carry commercial insurance, having the coverage is a good idea as it will ensure you have the support needed to replace or repair core assets and mitigate your liability risks. This could make having commercial insurance in this part of Colorado a great investment. 

People in the Arvada, CO area will always want to know that they are covering their business as well as they can. If you choose to get a commercial insurance plan for your Colorado business, you should start searching for a plan with the support provided by Alliance Insurance Services. These professionals value commercial insurance and can help you build a proper plan. Alliance Insurance Services can do this by taking a customized approach to helping you understand your needs and options. Speak with our agents to get started with a quote.

What Is Property Damage Liability Coverage?

As a car owner in Arvada, CO, your auto insurance likely has two kinds of liability coverage: bodily injury liability coverage and property damage liability coverage. While bodily injury liability coverage seems straightforward, understanding property damage liability insurance is more challenging. Here’s a breakdown of property damage liability coverage? 

What Is Property Damage Liability Insurance? 

Property damage liability insurance provides coverage to pay for repairs and replacement of other people’s property, including cars, if you hit them with your vehicle. For example, if you hit someone’s fence, house, or car with your vehicle, this coverage will cover the cost of repairing or replacing the property. Property damage liability insurance is a must-have in 48 states in the USA. 

How Will This Coverage Help You?

  • Property liability coverage will pay for the repairs to another vehicle if you rear-end it while in traffic.
  • Additionally, it will replace your friend’s mailbox if you crash into it with your car while pulling into their property.
  • Moreover, it will pay for the damage you cause to a storefront if you set your vehicle into drive instead of reverse.

How Much Property Damage Liability Do You Need? 

You can’t be sued after property damage for settlement beyond your net worth. Therefore, Alliance Insurance Services recommends getting property damage coverage equal to your net worth. This will mean you will be protected from going bankrupt because of a settlement resulting from property damage liability. 

What About Umbrella Insurance? 

If it’s not feasible for you to get property damage liability equal to your net worth, you should go for umbrella insurance. Umbrella insurance will cover property damage beyond your auto insurance policy limit. If your auto insurance only pays for property damage amounting to $100,000, your umbrella insurance will pay for additional liability. 

Do you need auto or umbrella coverage in Arvada, CO? Contact Alliance Insurance Services today.

What Is The Difference Between Home Insurance And Renters Insurance?

Whether you rent or own a home, getting some insurance is prudent. Many residents of Arvada, CO get torn between purchasing home insurance and renters insurance. Here’s what you should know. 

What Is Home Insurance vs. Renters Insurance?

The homeowner purchases home insurance to protect their property and the personal belongings in their home. In contrast, renters insurance is bought by a tenant to protect their personal belongings in the house where they are tenants. 

What’s the Primary Difference Between Home Insurance vs. Renters Insurance? 

For you to purchase home insurance, you must own a home. On the other hand, you must be renting or leasing a house to buy renters insurance. Home insurance protects our home structure and the entire property with your personal belongings, while renters insurance only protects your personal belongings and the structures in the home. At Alliance Insurance Services, we recommend that you get either of the two policies depending on your living situation. 

Personal Liability Coverage Home Insurance vs. Renters Insurance? 

Both homeowner’s and renters’ insurance offer the same kind of liability coverage. For instance, if someone slips, falls, and hurts themselves in your house and sues you, home and renters insurance will cover the liability. This includes liability for medical bills, mental and physical stress, and lost wages. Additionally, both policies will cover the legal fees you incur per the legal proceedings. Remember that home and renters insurance will only cover liability relative to the policy limit. Therefore, if your policy limit is $250,000, home and renter insurance will only cover liability up to $250,000. 

What if I’m Living With Roommates? 

Whether you are a homeowner or a renter, if you are living with roommates, they should get their own renters insurance. This is because your homeowner’s or renters’ insurance doesn’t cover any property in your home apart from your own. 

Contact Alliance Insurance Services for more home and renters insurance info in Arvada, CO.

4 Critical Areas Covered by Motorcycle Insurance

Owning a motorcycle is an exciting experience. The ultimate freedom of riding on an open-door adventure is unbelievable. But have you ever thought about the risks motorcycles pose? Even with safety gear in place, they might not help much in the case of an unthinkable event. Motorcycle insurance isn’t an option if you want to enjoy your bike.

To help you choose the right insurance, Alliance Insurance Services has prepared for the four critical areas of motorcycle insurance policies.

Liability coverage

Colorado requires that you carry liability coverage while on the road. Liability coverage pays for bodily injury and property damage to others when you are at fault for an accident.

Medical payments coverage

You never know when an accident can happen; the aftermath may require medical attention, including hospitalization, tests, or surgery. Medical payments pay medical expenses for you and your passengers following an accident.

Uninsured and underinsured coverage

Even if the law requires motorists to carry motorcycle insurance, people still disobey and ride without one. You are meant to foot your bill if you encounter such people on the road and cause an accident. So are those with inadequate coverage. That’s why you need uninsured or underinsured motorist coverage.

Comprehensive and collision coverage

Collision insurance covers damage incurred when your bike collides with a stationary object or another motor vehicle. Comprehensive coverage covers damage caused by non-collision perils like vandalism, fire, theft, natural disasters, or falling objects.

Motorcycle insurance in Arvada, CO

Because motorcycles don’t come cheap, it’s only wise that you get them insured. An accident’s aftermath can be devastating and even worse if you don’t have insurance coverage in place. Ready to purchase your motorcycle insurance in Arvada, CO, and its environs? Call us at Alliance Insurance Services for an affordable quote.

  • Safeco
  • Travelers
  • Electric
  • Metlife
  • ASI
  • Progressive
  • Hartford
  • Foremost
  • Lockton
  • Auto-Owners
  • Berkley One
  • Nationwide

Company Overview

Alliance Insurance Services founded in 1992 has a long standing relationship with both customers and community. Since our start, Alliance Insurance Services has been headquartered at 5440 Ward Rd. in Arvada, Colorado. We also have locations throughout Metro Denver as well as Northern Colorado. Alliance Insurance Services is a proud long time supporter of the Children's Miracle Network, the Better Business Bureau, and the Professional Independent Insurance Agents of Colorado.

Mission Statement

Alliance Insurance Services is dedicated to a lasting relationship with our clients and community through superior service and value. We provide security with quality products and innovative technology. Our team has created an environment that instills trust with those we come in contact with.


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