Buying a new home? It’s time to get home insurance

Buying a new home can be an exciting and stressful experience. At Alliance Insurance Services, we are proud to serve the home insurance needs of the Arvada, CO area.  Our team consists of professional insurance agents who are here to help you navigate the sometimes confusing process of selecting the right insurance for your family’s needs.  If you are in the process of purchasing a home, it’s time to learn more about your insurance options. 

Take a look at your insurance options before you buy your home

Your lender will likely have a list of requirements for your home insurance policy and will make sure that you have an appropriate policy in place prior to closing. The days and weeks before closing on a new home can be rushed and hectic as there are a lot of steps that need to be completed. We suggest that you take the time now to review your policy options so that you aren’t making a rushed decision at the last minute.

It is important that your policy provides the coverage that your family needs and is at the appropriate level. These determinations may take some time so it’s always a good idea to begin the process sooner rather than later. Sit down with a professional, local agent who understands the state requirements as well as the standards put in place by lenders. Local agents are also a great asset if you ever need to file a claim as they will be there to walk you through the process. Owning a home is a big part of the American Dream!

Is it time for a new home insurance policy? Call or stop by Alliance Insurance Services and learn more about home insurance options in the Arvada, CO area.

Is Homeowner’s Insurance Required by Law?

Homeowner’s insurance is not required by law in Arvada, CO. If you are purchasing your home through a bank, mortgage company, or other financial institution, they have the right to require that you purchase homeowner’s insurance during your loan period. This keeps their investment protected in case of damage or tragic events. You can speak with an Alliance Insurance Services representative to help you understand how much you should get in this case. 

Though it is not a legal requirement, it is important for home owners to truly consider it. There is a good chance that your home is your most high priced investment. Your home is also probably one of the most devastating things to lose. Insuring it should not necessarily be a question of whether or not it is required, but how devastated would you and your family be if you lost it. It is tempting to think that you will never need it, but think back to just a few years ago on the many devastated and displaced Colorado families who were victims of the wildfires. It is likely that they never thought such a thing would happen either. Even those who had homeowner’s insurance had nowhere near enough to cover the damages, possibly because they never assumed such a tragedy would occur.

Homeowner’s insurance is not a legal requirement in Arvada, CO, but it is well worth the consideration. Protecting your home from such a loss is important. If a tragedy does strike, you and your family should focus on the mourning and healing, not wonder what you will do no. If you own a home, reach out to Alliance Insurance Services to discuss insurance coverage options.

 

Does the Type of Dog you Own Affect the Cost of Home Insurance?

Home insurance is something that any home owner needs to have in place. Keeping a home policy on your home not only protects your property, it also helps to protect your guests, and the contents of your home. There are some factors that you may not even think of that affect the cost of your home policy, your pets may be adding cost that you didn’t even realize. For those in the Arvada, CO area, the agents with Alliance Insurance Services can help you to find the right policy for your pet and your home.

Dogs are unpredictable to a certain extent, some home insurance companies do adjust your home policy cost based on the type of dog that you have. For those pet owners that have breeds that have been determined to be “aggressive”, you may have a higher home premium because these breeds are more likely to attack someone that comes on your property. Some common breeds that are considered to be dangerous or aggressive are breeds like Rottweiler, Pit Bull Terrier, Mastiffs, German Shepard, and more. You can often find a list of breeds that your home owner’s company will consider to be dangerous when you go to set up your home policy.

It is important, to tell the truth when it comes to the heritage of your dog, even if it means your premiums may be higher. If your pet attacks someone while they are on your property and you are not covered, you may end up having to pay the costs of the medical bills for that person. If you have a pet you want to make sure they are also covered on your policy for your own protection and for the protection of your pet and anyone that might be on your property.

 For those in the Arvada, CO area, the agents with Alliance Insurance Services can help you to find the right policy for your pet and your home.

Making Sure Your Home is Safe During the Holiday Season

The holiday season is one of wonder and excitement, but it is also a time to be extra cautious about the various safety issues that are relevant at that time of year. Here are tips for keeping your home safe during the holidays, courtesy of Alliance Insurance Services serving Arvada, CO.

Lighting and electrical issues

Thoroughly inspect holiday lights before stringing them up on your Christmas tree and on the exterior of your house. Do not overload electrical outlets by plugging in too many items. Turn off holiday decorative lights and other seasonal electrical items before you go to bed and when you leave the house.

Fireplace safety

Whether you use a gas or wood-burning fireplace, it is important to keep safety top of mind. Always be nearby to monitor the fireplace while it is in use. Make sure sparks or other flammable items stay in the fireplace. Keep children and pets away from fireplaces and candles.

Home security

No discussion about safety would be complete without talking about the prevention of theft during the holidays. Do not leave packages containing gifts sitting on your porch or anywhere outside your house. Make sure all doors to your house are locked at all times, and if you go out of town for the holidays, take the proper precautions to protect your home. Consider having a security system or security cameras installed.

There are many other ways you can keep your home safe and sound during the holiday season. If you need further guidance and want to make sure you have appropriate home insurance, feel free to contact Alliance Insurance Services serving Arvada, CO.

3 Facts About Home Insurance You Need to Know

Your Arvada, CO home is a valuable asset that deserves protection. You can protect it by getting the right type and amount of home insurance. Alliance Insurance Services has trained and professional agents that may help you find the policy that is right for you. They may also answer your home insurance questions. The following are some facts you should know about home insurance.

1There are Different Types of Home Insurance Policy

Even though home insurance policies are relatively standard across different parts of the country, policies may be different depending on your insurance provider. You should ask your provider about the extent of coverage of your policy. A policy, for example, may insure your personal property against a few risks. It may, for example, provide insurance against theft and not fires.

2. Home Insurance Does Not Cover All Damages

A standard home insurance policy protects you from financial losses in case of liability claims, damage or loss of personal property, and damage to building structures. You should, however, note that home insurance does not cover you for losses that result from poor maintenance or carelessness. It does not cover you for intentional damages or damages caused by natural disasters such as floods and earthquakes. If you run a business at home, your home insurance does not cover your business property.

3. Make Claims Early

There is a deadline for submitting your claim. If you need to file a claim, contact your insurance provider as soon as you can. The reporting period is 14 days for most policies. If you wait too long, the damage may get worse, and you may not receive compensation.

Contact Alliance Insurance Services to get a new quote for your home insurance needs in Arvada, CO.

Why Not Having Homeowner’s Isn’t Worth the Risk

At Alliance Insurance Services, we offer Arvada, CO and the surrounding area a solution for home, auto and business insurance. Although it’s not a state law that you have homeowner’s insurance, it’s still may be in your best interest to obtain a policy, especially because it may be a requirement of your mortgage lender. Homeowner’s insurance gives you a sense of security and helps the cover expenses of various types of issues. 

1. Lawsuit

Imagine paying off your home, letting your insurance drop, and then a neighbor falling on your property and suing you for the value of half of your home. Once again, you’re back in debt. You’re also at risk of losing your house if you can’t find some way to pay for the lawsuit. 

2. Tragedy Can Happen Anytime

You never know when a tragic event is going to happen at your house. While you’re dealing with the stress and upset, you don’t want to also have to contend with how to pay for the damage. Having homeowner’s insurance takes away the worry in the event of a major event. 

3. Constant Worry

You don’t want the thought of something happening on your mind constantly. It’s just another reason to keep you up at night, and it’s a completely avoidable reason.

4. Heirlooms and Valuables

If you have heirlooms and other valuables in your home, you’re at risk of them being stolen and having no way to replace them. How unhappy would you be if your laptop, television and sound system were stolen? If you don’t have the money to replace them out of your pocket, you’ll have to wait until you can afford them. However, if you have insurance, it’ll pay for them. 

Get a quote for a homeowner’s insurance policy from Alliance Insurance Services, serving Arvada, CO and the surrounding area, since being without it isn’t worth the risk. Contact us at 303-431-9351 to discuss your specific needs. 

How often should you have a home insurance audit performed?

In Arvada, CO, the agents of Alliance Insurance Services perform several services to help their clients maintain the right amount of insurance coverage for their home, auto, and business. One of their most popular services is known as a home insurance audit. Audits can also be performed on automobile and commercial policies as well.

What Is An Insurance Audit?

An insurance audit is a review of your current policy compared to what your coverage needs are. The insurance agent will check to see if you have made any significant purchases over the last one or two years that would require you to upgrade your policy. You may also have sold or gotten rid of possessions that you no longer needed. Although it’s important to audit your policy every one or two years, you should also request an audit if you have done any remodeling or home improvements.

Why Is It so Beneficial?

A home audit is essential if you have made substantial upgrades to your home or possessions. If you do not re-evaluate and upgrade your policy to include home improvements or the purchase of high-end furniture or electronics, you may not have the coverage you need to protect yourself from financial loss. Whether you are upgrading or downsizing, auditing your policy will make sure you are paying for only what you need.

If you live in or around the Arvada, CO area and have questions about your home insurance, call the agents of Alliance Insurance Services and schedule a home insurance audit. They will be able to answer any questions you may have and help you find the right policy that will serve your needs without going over your budget. 

Home Insurance In Colorado: Is Your Policy Up To Date?

Residents of Arvada, CO may want to periodically review all insurance policies. This is something that frequently gets overlooked. You set up your insurance when you purchase your home and you don’t give it another thought until something happens. Maybe it was a situation you didn’t think would apply to you. Maybe you didn’t have kids yet. Maybe you were new to the area and weren’t sure what the weather was like or didn’t factor in all variables. Needless to say, you now realize maybe you needed more coverage for certain areas.

Every few years, it’s a good idea to sit down with your Alliance insurance services agent to review your policy and make any necessary changes. 

When is the last time you read your homeowner’s insurance policy? Have you ever read it? What is covered, and more importantly, what isn’t covered? If you buy a new trampoline for your children and someone gets hurt, are you covered? If your dog bites the mailman, are you covered? If you need to rebuild your home, are you covered? What about mold?

Do you have too much insurance coverage? This is always a possibility. Could your rates be lower? All these are questions you can get answered. Rather than give yourself a headache trying to understand the legalese jargon, why not make an appointment with your agent and have them go through the policy with you. This will give you clear answers to any questions you may have. You’ll come away with an understanding of your coverage, and possibly make adjustments to your policy that will help you avoid problems in the future. 

 

How to File an Insurance Claim After a Burglary

The realization might hit as you enter the front door of your Arvada, CO home and find your house has been trashed. Or it might occur when you explore your bedroom and notice that all of your jewelry, cash, and valuables were taken. Whenever it occurs, figuring out that you have been a victim of a burglary is a startling, vulnerable sensation. All feelings aside, you probably want to get your house back to normal and replace your valuables. Here are the steps recommended from Alliance Insurance Services to get the ball rolling on filing your insurance claim.

Call the Police

Even if you’re sure the thieves are gone, you still should call the police. Your insurance company will require a police report to get started on your claim.

Call Your Insurance Company

Right after you’ve called the police, call the main number of your insurance company to get the claims process started. Have your policy number handy, and write down the instructions that you will receive.

Take Photos of the Damage and Mess

Many families want to immediately begin cleaning up the mess and setting things right. However, hold off on that until you’ve made detailed photos of the rifled desk drawers, damaged items, and other mess. If your agent wants to send an inspector, you may be instructed to wait until he has come by to take a look at everything.

Make a List of What Is Missing

If you have a home inventory, this step should be easy. If you don’t have one, do the best that you can to determine what is gone. If you have receipts for the items missing, getting your claim filed will go much more quickly. Use specifics when describing items, and if you can figure out serial numbers for electronics, weapons, and other items, it will help things move faster. Don’t forget to include broken windows, doors, or damaged locks when you file your claim. Your insurance company should pay for their repair.

Stay In Touch with the Insurance Company and Follow Their Instructions

Every time you talk to someone on the phone, write down the name of the person you’ve spoken to and ask how long you should wait before calling back. Keep a file or envelope with all of your correspondence, receipts, photos, and records handy. If something turns up that you thought was missing, call the insurance company and let them know. Being paid for an item that you have in your possession is considered insurance fraud.

If you need advice about your insurance needs, contact Alliance Insurance Services, serving the Arvada, CO area.

Getting Your Home Ready for Spring

Spring is a beautiful season in Fort Collins, CO. Before you get out and start exploring the city in the new season, however, there are a few things you need to do to get your home ready for the spring. Use these tips from Alliance Insurance Services to help get you started. 

  • De-winterize your home. Like most people in the area, you probably took the time to winterize your home before the cold weather hit. If you did take this step, then you also need to have your home de-winterized so that it is ready for the warm weather. You should have a professional take care of this for you. 
  • Clean up around your home. While you do not need to do a ton of spring cleaning, it is always a good idea to do a little bit of cleaning around your home in preparation of the new season. Even a good dusting can make a big difference. 
  • Plant some spring flowers. There are so many beautiful colors that are awoken during the spring and if you have the space outside, you should consider planting some spring flowers around your home. You may even want to get some that will continue to bloom year after year. 

Besides doing these things to get ready for spring, there is one other thing you need to make sure you have set up. You need to have a great home insurance policy in place. If you do not already have one, be sure to reach out to Alliance Insurance Services, serving Fort Collins, CO, to get a free quote. If you do already have one, you can also have them take a look at your current policy to make sure you do not have any gaps in coverage.