The first step in planning for equitable coverage is finding how much your home is worth on the current market. You can obtain this information by hiring a professional appraiser. The second most important step is to make an insurance inventory checklist of all your property and belongings inside your home. This is all-important to working with your insurance company in the event you need to make a claim.   Click here to download your property checklist.

• Who should I buy home insurance from?

Like any product or service, it always pays to shop around for the best home insurance at the best price. Alliance Insurance can do all the shopping for you and find the lowest rates possible. Call us or request a fast quote online to get a variety of quotes from reputable and financially stable insurance companies.

• Homeowner’s Insurance 101

A common mistake among first-time home insurance purchasers is not reading the fine print. While companies may want to offer you a cheaper policy just to make the sale it may cost you later in significatn losses, like personal property, that aren’t covered.

Basic coverage usually includes damages caused by fire, smoke and lightning, hail and windstorms, vehicle or aircraft collisions, window breakage, explosions, vandalism, theft and personal property loss.

“Broad form” coverage also typically covers water damage, frozen pipes, ice, snow, falling objects, building collapse, and personal injury from electrical appliances, and wiring. Depending on your situation or location, you may also want to look into separate policies for hurricane insurance, earthquake insurance, or flood insurance.