Your home is likely the most valuable investment you’ll ever make. Likewise, finding insurance that works for you will protect you against a range of scenarios including natural disasters, break-ins, and lawsuits. Here at Alliance Insurance of the Rockies, we explain the value of different home insurance policies, empowering our clients to make economic decisions. As a home insurance broker in Colorado Springs, we will be able to help you make those decisions with our expertise in the industry.
At Alliance Insurance of the Rockies, we help you navigate home insurance, providing you with the most beneficial options possible. We walk you through what your coverage means, help you find home insurance discounts, and even work together to bundle home and auto insurance. Home Insurance is designed to protect you, your assets, and your loved ones, so you never have to worry about the unknown.
For dwelling coverage, you should invest enough coverage to pay for your replacement costs. Replacement costs are the expenses to completely rebuild your home. If your coverage doesn’t exceed your replacement costs, you may find yourself out a lot of money. To get an estimate of your home’s replacement cost, we recommend having an expert independent insurance agent come to your home and give you an estimated replacement cost. Dwelling insurance should match this.
You should have enough personal property insurance to cover all of your belongings, including furniture, appliances, clothes, and more. To avoid underinsuring your property, take an inventory of everything in your home, photographing and detailing every item you can. Be detailed in your inventory to ensure your reimbursement check will cover your lost assets in the case of a robbery or a natural disaster.
Liability insurance covers medical expenses and possible charges brought against you by a person injured on your property. The minimum liability coverage is $100,000, however we recommend investing as much as you can, simply because medical and lawsuit expenses add up quickly. Liability coverage is typically lower than other premiums.
Adding security features including smoke detectors, burglar alarms, water safety systems may get you a discount with an insurance company. In addition, here at Alliance Insurance of the Rockies, we provide exceptional value to our customers with bundle packages that allow you to save money on your auto and home insurance at the same time.
Here at Insurance Alliance of the Rockies, we believe in providing the best coverage possible at the best price. We strive to do this by protecting our clients against overpaying into policies that don’t work for them. To get a quote, simply fill out the form to the right and let us know what we can do for you. We’d love to speak with you soon.