If you are considering buying a condo, you may want to learn more about condo insurance. Even if the building has insurance in place to protect the structure, you will need condo coverage to help protect your valuable items within the residence.
What Does Condo Insurance Cover?
Typically, condo insurance covers the walls and the interior of the space if there is damage due to a covered incident. Additionally, your personal belongings and major applicants are covered. This policy also provides liability protection in the event of an injured guest. Before making a purchase, be sure to understand what the buildings master policy protects and then seek the assistance of an insurance professional to help you build a coverage plan that fits your needs.
Find A Quality Agency
One of the best ways to get the coverage that suits your circumstances is to work with an insurance agent. They can find a variety of options to offer and can explain how each policy works to protect you from a variety of hazards. Additionally, they may also be helpful in determining if any additional coverages are wise. If you live in or around the Denver, CO area, you can count on Alliance General Insurance Agency to give you the one on one service you need. They can assist you with the entire shopping process as well as assisting you with any future claims. It’s a personalized service to help you meet your insurance coverage goals.
Don’t select your condo insurance policy without consulting with an agent from Alliance General Insurance Agency. They look forward to serving the residents in the Denver, CO area. Call or stop by today to find out more.
The holiday season was made for festive celebrations. Whether you’re planning family dinners or holiday gatherings with neighbors and friends, you’ll need to prepare your home for the influx of visitors. Part of this preparation is reviewing your home insurance to ensure you’re covered against any eventuality. The right home insurance coverage from Alliance General Insurance Agency will protect your Denver, CO home against holiday accidents that can disrupt your festivities. Here’s how home insurance can protect you during the holidays.
If an accidental grease fire gets out of control when preparing holiday meals, it could cause substantial structural damage to your home. Dwelling coverage protects you against fire damage so you can recuperate your losses. Dwelling insurance also protects you against natural disasters like severe snowstorms that are common in Colorado during winter. Ideally, you should have sufficient dwelling coverage to rebuild your Denver CO home in the event of a major disaster.
When you have a house full of guests, there’s a greater risk of accidental damage to personal property. You may sustain scratches on your new dining room table, rips on costly living room furniture or stains on expensive carpeting. Children may break a valuable heirloom during rowdy play. Property insurance will cover the cost of repairing or replacing goods that are accidentally damaged during the holidays.
If a grandparent slips and falls while visiting your home or an aunt suffers a kitchen burn while helping with holiday cooking, liability coverage will help cover their medical costs. Liability coverage protects you against accidental injuries visitors have on your property, so you don’t have to pay for their medical expenses out-of-pocket.
For quality home insurance coverage to protect you against holiday accidents and disasters, contact Alliance General Insurance Agency in Denver, CO.
As a resident of Denver, CO, you might know the state’s mandatory liability law on automobile insurance. While Colorado requires every vehicle in regular operation to have liability insurance, this is not the only insurance available to local drivers. Alliance General Insurance Agency wants our readers to know the many options available to you today.
This is the minimum required to drive legally in Colorado. Liability insurance covers bodily injury and property damage to another person in an accident where you’re determined to be at-fault. There is a specific amount of coverage you must have to meet the legal limit, but you can purchase more than the minimum liability amount. It does not provide compensation to you after an accident, whether or not you caused the accident.
Uninsured / Underinsured Coverage
When an uninsured driver causes an accident that harms you or your property, this coverage kicks in to help pay for those expenses. When the other driver has insurance, but their policy limit isn’t enough to cover your medical bills, underinsured coverage can make up the difference.
This type usually covers damages caused by natural events such as fire or hail, or the acts of other individuals like vandalism or theft. Your policy will list the potential covered perils. When your vehicle suffers damage by such perils, comprehensive coverage can help pay for repairs or replacement of the vehicle.
Coverage for Everything Else
These are just a few examples of the policies available to drivers in the Denver, CO area. There is coverage for virtually any peril or vehicle type out there. From rare classic cars to hard-working utility trucks, Alliance General Insurance Agency has a policy that’s right for you!
There are many classic car enthusiasts who never put their vehicle back on the street once it has been fully restored. This is usually the case if the car is extremely rare or has a high value. In Denver, CO, the agents at Alliance General Insurance Agency can work with the clients to find the right type of policy for their classic car, especially if it isn’t going to be driven.
Every vehicle requires a mandatory amount of liability insurance if it is going to be driven on the road. If a classic car is going to be trailered from place to place and not driven on the road, you don’t need to carry mandatory insurance on it all the time. Even though you may not need a policy in place all the time, you may want to consider putting a liability policy in place, whenever you take your car to shows or events.
Protect Your Investment
As with any other valuable item, you will want to do whatever you can to fully protect your investment. It’s essential that you purchase a policy that will cover repairs to your car if it receives any type of damage while in transit or while sitting on display.
Events are a time to show off your pride and joy. It’s important to have sufficient insurance in place to protect your investment at all times. The agents of Allied General Insurance Agency are available to ensure that car enthusiasts in Denver, CO have the coverage they need when traveling to and from events. Call your agent today!
The best question to ask yourself when considering renter’s insurance is how much it would cost to replace everything you own? If you are a young professional with just a few personal items, then you may not find the monthly payments for renter’s insurance worth the benefits. However, if you have an established apartment or house with many expensive and important personal items and electronics, then renter’s insurance may be a very, very good idea.
This is because despite what you might have been told, your landlord’s insurance policy will not reimburse you for any property that is stolen or damaged. Your landlord’s insurance policy also won’t reimburse you for any expenses you have should your home suddenly become unlivable due to a disaster like a water line break or fire. But a renter’s insurance policy will.
The Big Benefits of a Denver, CO Renter’s Insurance Policy
Landlord and commercial property insurance policies typically cover only building materials and public spaces (such as elevators or stairwells). Anything within the confines of your apartment is typically not covered. For that, you need renter’s insurance. A standard Alliance General Insurance Agency renter’s insurance policy will provide the following coverage:
- Personal property contents coverage. This offers financial coverage for any personal property and belongings in the event of theft, fire, water damage not related to flooding, and more.
- Living expenses due to peril. If an event like a fire or burst water pipe makes your home unlivable, then your policy will reimburse you for expenses necessary (i.e. hotel) until the situation is resolved.
- Premises medical coverage and liability. If someone is injured in your home, such as by a dog bite or a trip and fall, then your renter’s insurance will pay for medical expenses and protect you in the event of a lawsuit.
Sign Up for Your Denver, CO Renter’s Insurance Today
Renter’s insurance can provide you with an excellent safety net in the event of a disaster. Learn more by contacting our team at Alliance General Insurance Agency.
You are driving down the highway when the unexpected happens. A car veers into your lane and the rest of the story is a tragic account of how you lost control of your bike and ended up in a ditch. Thankfully, you and your passenger are alive and able to tell the story of how you escaped. Both of you, however, need immediate medical attention and require several weeks of recovery. You cannot help but wonder if your insurance policy in Denver, CO is enough to pay for everything. Does motorcycle assurance cover your passenger?
The agents at Alliance General Insurance Agency can provide a full explanation about how motorcycle indemnity plans work when passengers are involved. Read on to learn how passengers are generally covered under Guest Passenger Liability and Medical Payments stipulations.
What is Guest Passenger Liability Coverage?
Guest Passenger Liability coverage pays for your passenger’s medical expenses in the instance that an accident is your fault. This assurance option does not work, though, if someone else caused the accident. Your passenger will need to pursue compensation from the at-fault driver for medical expenses in such a case. Many General Passenger Liability coverage options are included in bodily injury insurance plans. There are times, however, when you have to purchase the coverage separately. It is always best to ask your Denver, CO insurance provider about coverage for your passenger to ensure that you are fully protected.
Coverage for Medical Payments
Coverage for medical payments means that you do not have to come out of your pocket to pay for hospital visits and other treatment related to a motorcycle accident. Your insurance policy may pay for:
- Hospital Visits
- At-home Nursing Care
- Health Insurance Deductibles and Co-payments
An agent at Alliance General Insurance Agency can help you find the motorcycle assurance policy that works best for your lifestyle. Call them today to get started with a quote!
If you have questions about Umbrella insurance in Denver, CO contact us at Alliance General Insurance Agency we can clear up any confusion you have about this type of insurance and offer you a quote for your individual situation. Umbrella insurance is a type of insurance that adds additional liability. Many policies offer a minimum of a million dollars in extra coverage over your existing policies. The umbrella policies start where your home, business, or auto leaves off many people choose this additional protection for a variety of reasons.
Umbrella Insurance FAQs
- Who would need umbrella insurance? Anyone with a current insurance policy who feels as though the coverage limits will not meet the actual loss. For example, if your car has value over what is appraised to you or someone then additional auto coverage is a good idea. If your home appraisal or business insurance will not leave you set to continue running your business or having a place to live in the area then an umbrella policy will be a piece of mind over your basic coverage.
- How much umbrella insurance might I need? This is a number to work out with your agent after establishing what a general policy will cover and your needs above that amount.
- What can umbrella insurance in Colorado cover? Bodily injury, charges of slander and liable, business coverage, and property damage are all common coverages under an umbrella policy because these situations can exceed a policy in some cases and it is a risk many people do not want to take with their business or home.
Contact us at Alliance General Insurance Agency for more information about umbrella insurance. We provide insurance policies for people in and around Denver, CO. Call today.
If you are the owner of a condo, it is a great idea to look into the purchase of condo insurance. Condo insurance is a type of insurance coverage which will help protect your condo, as well as the personal property within it. It goes beyond the condo fees you pay on a monthly basis, helping provide additional protection for the interior of the residence.
When You Need Condo Insurance
You need condo insurance when you own a condo. If you live in a condo in Denver, CO or elsewhere, condo insurance is an absolute must. The Alliance General Insurance Agency can assist in your search for the right provider and insurance policy, but understanding the need for condo insurance is the first start.
What Condo Insurance Covers
What coverage can you expect when you begin to shop for condo insurance? When you think of condo insurance, you want to be thinking about the interior of the residence.
The interior of the condo contains a lot of valuables you want to care about a great deal. These will start with the personal belongings you have inside. If you have anything inside of the condo, the insurance coverage you buy will help provide protection in this space
There will be interior coverage as well for areas inside of the condo. These will include things such as the structure of your unit, as well as coverage to cover your portions of common areas as part of the condo.
The insurance you get with condo insurance goes beyond condo fees and coverage you get there, which encompasses the exterior of the condo. With the interior, you want to seek out condo insurance and what it can provide.
Homeowners in Colorado are not mandated to carry insurance on their homes, however, many lenders will require them to do so. It’s also not uncommon for people without mortgages to purchase a policy to protect against unforeseen disasters.
If You Have Antiques
Vintage items can come in many different categories. For example, you could have a collection of stamps, a wine cellar, baseball cards, fine jewelry or dishes. When you purchase a policy, you cannot assume that these things will be automatically incorporated. Instead, you will need to make your agent aware of your items, asking about them individually.
The reason for this is that your valuables may exceed the limits of your indemnification, although your plan may include some provision for these heirlooms. You will likely need to work with your broker to develop either a floater or an endorsement.
A floater is simply a separate policy for your antiques, while an endorsement, sometimes called a rider, is like an addendum added onto your policy. You’ll first need to take inventory of anything you have that needs to be protected, and you will then need to have them appraised. This will provide a written record for you if you should ever need to make a claim. You will want to have these items insured for their current value, and this can change as time goes on. You may need to obtain a new appraisal every now, and always be sure to present these documents to your insurance company.
Contact Alliance General Insurance Agency of Denver, CO
At Alliance General Insurance Agency, we serve the residents of Denver, CO, providing them with insurance packages to best suit their needs. Reach out with any questions you may have, and we look forward to working with you!
Professional blogging is a new enterprise – well relatively new – that has exploded on the Internet scene. People from all walks of life have decided to make blogging their employment and their love. However, when it comes to commercially insuring your blog there are a few key considerations that you should review for yourself. Is your blog informative? Is it trying to fix a societal issue? Is it more personal? Is it trying to fix or speak to a personal issue wherein you may encounter someone on the Internet that is having a problem and is seeking your blog for answers? Is your blog concerned with correcting a logistical wrong? Is it about do-it-yourself home repairs, auto repairs, or how to fix a boat? If you can think if you can find it on the World Wide Web in the form of a blog. It is important to ask yourself these questions because they present areas of liability. Speak with a professional who can help you protect yourself and your blog.
If you are blogging on the side of it is your main source of income you should speak with an agent about how commercial insurance can help you protect your enterprise. Whether it is work or play we know that what you create is important to you. We also understand that protecting yourself where there is a vulnerability is a critical part of being a responsible adult. No one works harder than the residents of Denver, CO and no one works harder than the agents at Alliance General Insurance Agency. Stop in today. If you prefer to speak with an Alliance General Insurance Agency agent, call us on the telephone at 303–377–1172. In addition to commercial insurance, we specialize in motorcycle insurance, renters insurance, classic car insurance, condo insurance as well as umbrella insurance.