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Alliance Insurance Services

5440 Ward Rd. Ste. 215
Arvada,Colorado 80002

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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.

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.

Is home insurance needed in Colorado?

The Arvada, CO can be a great place for anyone to invest in their own home. When you are a property owner here, you can benefit from value appreciation as well as having a hedge against inflation. When you are a property owner, you will want to ensure your home is always covered by insurance. A home insurance plan in this area of the state will be needed for various reasons. 

Coverage is a Requirement for Many Owners

A common reason that people will need to have home insurance in this part of Colorado is that it could be a requirement. Home insurance is a valuable type of coverage that will provide support if your home is damaged due to a fire or other challenge. Due to the protection it provides, any mortgage lender will require that borrowers maintain home insurance. In many cases, the lender will require that you have payments escrowed each month. 

Coverage Protects Assets

You also should get home insurance to protect your assets. With the right home insurance, you will get coverage to protect both your dwelling and personal assets up to the limits set in the policy. Further, you can receive additional personal liability coverage that will offer protection if you are found liable for various types of accidents. 

Those that reside in the Arvada, CO area will want to ensure they have the proper coverage in place to protect their home. Once you are ready to start looking for a new plan, calling Alliance Insurance Services is a good option. The professionals that work with Alliance Insurance Services understand the value of this coverage. They can give any guidance that you need to build a proper plan that will adequately cover your home and help you meet your needs. 

Home Insurance Tips for First-Time Homeowners

You’ve spent a lot of time looking for the perfect home for yourself and your family, and you finally found it. While your to-do list is likely very long, you don’t want to overlook the importance of protecting this new, large investment. Alliance Insurance Services, serving Arvada, CO, would like to help first-time homeowners with these insurance-related tips.

Purchase a Home Insurance Policy

It can be expensive and time-consuming to buy your first home, and because of this, you want to ensure that your investment is fully protected. While home insurance is not mandated by law, most lenders will require it if you are paying on your home. Further, home insurance will cover in the event of significant damage or a complete loss, relieving your financial stress if you must rebuild. 

Invest in Needed Add-on Coverage

Your standard home insurance policy will cover a number of things, including fire damage, windstorm damage, and more. However, you must think outside of the “standard” box to ensure you are properly protected if the time comes. Speak to your insurance agent about your specific situation, and they will help you in determining if you should invest in any optional, add-on coverage. This may include anything from flood insurance to coverage for your small, home-based business. 

Take Inventory of Your Possessions

In the event your home ever suffers damage severe enough you need to file a home insurance claim, it can help to have a record of your possessions as well as their values. Go room by room, making a list of all the expensive items and their value. If possible, keep a digital copy of this and a paper copy somewhere safe. 

As a first-time homeowner, you may be overwhelmed thinking about home insurance. Contact us at Alliance Insurance Services, serving Arvada, CO, for help.

Why Should I Invest in Home Insurance?

Buying a home in Arvada, CO is not only the single most significant investment for most residents, but also an arduous task that involves lengthy research, planning, and saving. With imminent perils like fire and theft looming, ignoring the acquisition of home insurance can culminate in a substantial financial setback. Don’t hesitate to contact our agents at Alliance Insurance Services to get outstanding home insurance to protect you and your house. Without home insurance for your precious asset, your investment is incomplete.

Why home insurance is a worthwhile investment

Regrettably, most Arvada, CO residents view home insurance as an unnecessary expense. Nevertheless, when the unexpected strikes, it’s when they realize how powerful home insurance can be. Home insurance is beneficial in the following ways:

Dwelling protection

Your home is worth hundreds of dollars, if not thousands. However, calamities like fire and hail storms can throw your investment into disarray. Procuring salient home insurance in Arvada, CO caters to repairing and rebuilding your house when the covered incertitude strikes.

Liability protection

Despite how cautious we are, accidents are bound to strike. Your pet may bite a neighbor, or a guest can slip and hurt their leg while residing on your property, among other accidents. Worry no more because buying home insurance from Alliance Insurance Services, liabilities such as medical costs and lawsuit fees are taken care of.

Provides personal property protection

Home insurance protects your personal belongings such as electronics, clothing, sporting gear, and furniture if they get damaged or vulgarized.

Provision of additional living coverage

Home insurance comes into play when your house becomes uninhabitable due to calamities like fire, hail, or hailstorm. It caters to additional expenses like hotel bills and accommodation when residing elsewhere as your apartment is being repaired.

Lawsuit protection

Home insurance policy safeguards you from impending property-related lawsuits. Property lawsuits may emanate from accidental damage to other parties’ property. It also encompasses payment of medical costs for visitors injured while on your property.

When you live in Arvada, CO and you own a house, you need the right home insurance. Getting proper home insurance will safeguard your home and your loved ones. Our team at Alliance Insurance Services will help you forge sufficient home coverage to meet your needs and budget.

Questions to ask when buying home insurance for the first time

Being a homeowner in Arvada, CO doesn’t have to be complicated; neither is home insurance. However, reading your insurance policy and learning about critical components of your policy, such as your coverage limits and the amount of coverage you need, goes a long way towards providing a financial safety net. That means asking important questions. If you’re not sure what to ask, here are some of the questions you should ask.

What would be the cost to rebuild my home currently in the event of a loss?

This is an important question if you want to know the amount of home insurance you need. Your insurance company can easily determine the cost of building material and labor in your area to come up with your home’s approximate value. 

What factors can affect my home insurance rates?

All insurance companies, including Alliance Insurance Services, have their unique way of calculating insurance premiums. However, they use several general factors to come to their conclusions, such as the safety of the area you live in, the number of people living in your home, the size and material used to build your home, and other features in your home such as a swimming pool, home office or trampoline.

Is water damage covered in my policy?

Most insurance policies in Arvada, CO, cover water damage. However, damage from flood water is not covered. Your insurance company should explain the difference between water damage and flood damage. Generally, water damage is caused by a broken tap, burst pipe, or clogged sewage system.

Should I get a separate policy for valuable items?

Your insurer may want to see your valuables to determine whether they can be included in your personal belongings or not. In most cases, money, guns, jewelry, artwork, and fur may require a separate policy.

If you’re confused about discounts, coverages, and limits, reach out to Alliance Insurance Services and speak to one of our insurance agents. They will show you examples and provide you with several options. Call us today!

5 Benefits of home insurance

Buying a house is not only the single largest investment for most people, but it is also a herculean task that involves a lot of research, planning, patience, and saving. With an increase in calamities, not having home insurance can result in a huge financial setback. At Alliance Insurance Services serving in Arvada, CO, our agents walk with you to offer you a policy that suits the needs of your home.

What does a home insurance policy cover?

A home insurance policy is a form of property insurance that covers you against financial liability due to damages on your individual residence, home assets, and finishings. Damages include both interior and exterior damages or injuries experienced while on the property. A home insurance policy will also cover you against legal liability from suits arising out of damages or injuries within your residence.

Benefits of home insurance

  • Loss replacement

Having a home insurance policy allows you to enjoy financial security. Depending on your home insurance policy you have opted for, your damaged personal assets can be replaced at their actual value or have them replaced. This protects you from unplanned financial obligations.

  • Lawsuits protection

A home insurance policy protects you from property-related lawsuits. Property lawsuits could result from accidental damage to other people’s property either through fire or mechanical damage. The policy also covers medical expenses on guests injured while on your property.

  • Protection from natural disasters

A detailed home insurance policy protects you from natural disasters such as earthquakes or landslides.

  • Peace of mind

The assurance of your home security allows you to enjoy the luxury of peace of mind. You can sleep without worrying about unexpected disasters and calamities.

  • Protects more than your home

A home insurance policy covers other components of your compound such as the garage, fence, or deck.

Please visit Alliance Insurance Services in Arvada, CO and get to know of the many benefits you will enjoy from having a home insurance policy. You can also visit our website for further information.

Why should someone invest in home insurance in Colorado?

If you are in the Arvada, CO area, you should think about buying a home. Those that are property owners in this state can benefit in a variety of different ways in the long run. If you do want to buy a property here, it would be a good idea to get insurance for it. There are several reasons to invest in this type of coverage for your property. 

Insurance is a Requirement

An important reason that people in Colorado should get home insurance is that it is often a requirement. When you are going to purchase a home in Colorado, your mortgage lender will have a vested interest in your property. Because of this, they will want to know that you have proper insurance protection at all times. The lender will have specific home insurance guidelines that will need to be met. 

Insurance Gives Important Coverage

Another reason that you should get home insurance is that it gives important coverage. Even if you do not have specific insurance requirements set by a lender or other party, the value that comes with home insurance still makes it a good investment for anyone. When you start looking for home insurance, you will find that it not only protects your home and personal assets but it also comes with valuable personal liability coverage.

When you are in the Arvada, CO area and are looking for home insurance, you will want to know that you are making the right decision. The team with Alliance Insurance Services has helped many people in this area of the state build and choose insurance policies. If you do call Alliance Insurance Services, you can get the guidance that is needed to build a policy that will keep you in compliance and provide you with the best overall coverage. 

Do I need home insurance after I pay off my mortgage?

For most homeowners reaching the day when you make the final payment on your mortgage is a time for celebration. Break out the champagne and shred the amortization papers. You finally own your own home. It’s a liberating feeling. All those years of monthly payments, maybe including your home insurance. Now it is your decision whether or not you want to keep your home covered by home insurance. You will need an insurance agent to help guide your decision and in Arvada, CO,  Alliance insurance Services is an independent agency that has been doing business for more than 25 years. 

It will be tempting to not pay the premium required to have home insurance. That would be a mistake. Home insurance offers a lot of protection. Nobody likes to dwell on the negative but the world is full of hazards and most of them are beyond your control. Weather, fire. theft and other hazards can destroy your sense of security. If you lose your home, your possessions, and your place to dwell what would you do without home insurance? Unless you are independently wealthy, you might find yourself homeless. 

Home insurance helps you rebuild after a catastrophe, replace your possession, and provides a place to stay while your home is uninhabitable. And that isn’t all home insurance does for you. It provides liability coverage to protect you from being sued. These days getting sued can happen to anyone and it will cost a lot to pay for legal fees and a judgment against you. 

So to answer the question ‘Do I need home insurance after I pay off my mortgage?" the answer is yes you do. The protection if affords is way too valuable to go without. At Alliance Insurance Services in Arvada, CO, we can help you to find the right home insurance policy for your needs and your budget. Give our office a call for a no-obligation quote. 

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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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