Floods top the charts for being one of the most widespread natural calamities in the United States. Regrettably, the typical home insurance doesn’t cover floods; it’s prudent to purchase a separate flood insurance policy in Scottsdale AZ to safeguard your dwelling or home business. Just because you have not been affected by the ravaging effects of flood damage in the past doesn’t guarantee that you won’t experience it in the future. Be wise and design a formidable contingency plan in Scottsdale, AZ early enough to avert grappling with massive financial losses. Please connect with us at Alliance Insurance Partners and get to learn more about flood insurance coverage.

Is flood insurance mandatory in Arizona?

Flood insurance isn’t legally required in Arizona. Nonetheless, if your dwelling is located in an area designated by FEMA as a flood plain, you may be demanded by law to purchase one. It is vital to consider buying flood insurance in Scottsdale, AZ not only to break the jinx of residents that only regions at a high risk of flooding are required to have it but also to get protection for your house and loved ones. Buying flood insurance from Alliance Insurance Partners is fundamental for the following reasons:

Keeps your loved ones safe

It’s vital to initiate a proactive plan and buy prolific flood insurance before the unexpected incertitude strikes. This essential step will guarantee the protection of your property and your loved ones once this eventuality strikes. Procuring this crucial policy will cushion your family from homelessness and renting an apartment when flood-related damage ravages your dwelling.

Safeguards your property

Protecting your house and personal belongings by acquiring a prolific flood insurance policy is paramount in Scottsdale, AZ. Given that your home is one of the precious assets you own, it requires prolific protection from flood damage to avert exorbitant repairs out of pocket. Buying building and content coverage will protect your house and your personal property from related losses of flooding.

It instills peace of mind.

When severe weather or in the wake of flooding phenomena with unprecedented effects, your initial thought will trigger you to think about your pet and family. You also want to establish if the dwelling is still inhabitable after flooding subsides. Why stress yourself when there is an ultimate saver? To prevent these stressful instances, it’s prudent to secure an outstanding flood insurance policy.

Are you a resident of Scottsdale, AZ searching for flood insurance to protect your house and family? Please call or visit our offices at Alliance Insurance Partners for more information about flood insurance.

Scottsdale, AZ is a great place to buy a condo. It is very family-friendly and has top-notch schools, but is also popular with retirees and those looking to spend their golden years in a dry and sunny locale. Once you have found the perfect condo, it is time to find the perfect condo insurance. Our experienced team of agents at Alliance Insurance Partners is here to serve our customers with integrity and we will always put their interests first. 

Building

Owning and insuring a condo is different than a home. With a home, the entire building is yours to insure. With a condo, the condo association has a master policy that covers the exterior of the building and common areas. How far into your condo their insurance goes depends on the policy. It is your responsibility to read your covenant, so you end up with the right condo insurance for your particular unit.

Content

The content is covered by your condo insurance. This includes everything from your kitchen cabinets and appliances to your personal clothing and jewelry. Some categories have limits you need to consider if your possessions exceed the amount the insurance will cover. You have two options for content coverage, actual cash value, and replacement cost. Actual cash value is the amount any item is worth today with depreciation taken into account. Replacement cost is the amount it would cost today to replace the item. 

Loss of use

If your condo is damaged by a covered peril, you may need a place to stay while it is being repaired. If you have loss of use coverage, it will help to pay for a place to stay while you are waiting for the repairs to be completed. 

If you are looking for help making sure that you get the right condo insurance at Alliance Insurance Partners in Scottsdale, AZ, we are here to help. 

Life insurance may be one of the policies that provide immense benefits to policyholders and their loved ones, but it is also one of the tricky covers that you might encounter. A single misstep could leave your beneficiaries without any benefits, resulting in unexpected financial distress. To help you get over this hurdle, Alliance Insurance Partners talks about common mistakes to avoid when getting life insurance within Scottsdale, AZ.

Failure to Disclose Important Information

Like every policy, life insurance relies on factual information to help you get the proper policy terms. While you will likely be tempted to leave out details such as existing health conditions to get discounts on your coverage, the outcome will prove to be detrimental. Undisclosed information could lead to declined coverage or unpaid benefits when you pass away, causing harm to your loved ones. To prevent such inconveniences from happening, ensure you fill out all necessary information as required.

Failure to Understand the Various Life Insurance Covers

Each life insurance coverage is different, meaning each caters to specific needs. Before purchasing your policy, ensure you understand what each policy covers, its exclusions, and the cancellation terms. Ask your provider questions to help you figure out which works well with your needs and those of your beneficiaries. Ensure you also ask about policies that offer flexible terms to help you cater to changing needs as time goes by.

Settling for the First Offer

Life coverage also comes with different underwriting needs, allowing you to get enough room for negotiation. Instead of settling for the first offer you are given, negotiate your terms where possible and check for various coverage durations that fit within your preference. In addition to this, be on the lookout for discounts if you bundle multiple policies, helping you get improved coverage for multiple items.

If you need life insurance within Scottsdale, AZ to help you get peace of mind and protection, call Alliance Insurance Partners today.

Getting commercial insurance is one of the safeguards that allow business owners to keep their companies secure when emergencies arise.  Navigating this path, however, comes with its setbacks, with numerous Scottsdale, AZ entrepreneurs left in the dark about what to look for. Alliance Insurance Partners helps with this and details essential things to consider when getting a commercial insurance policy.

Consider Legal Requirements

Before signing up for any commercial coverage option, make it a point to determine the type of legal requirements needed in your state. Each region outlines the various coverage features that businesses need, with numerous favoring employee protection and property damage. Ask your insurance provider to help with this to ensure you stay on the right side of the law.

Understand the Various Coverage Options

After identifying your legal needs, you can then move on to optional commercial policies. Each coverage will be different depending on your industry and will require you to understand the various items covered by each. A few examples to consider are general liability insurance, commercial auto insurance, business owner’s policy, and professional liability insurance.

Identify Factors That Affect Your Insurance Rates

Insurance rates often rely on various industry risks and business operating factors. With this in mind, consider checking your employee’s experience, your business’s location, and the assets you own. Ensure that you also have the proper safeguards at your premises to ensure that your employees and customers are protected, as these will also come in handy in helping you get affordable cover.

Work With Reputable Insurance Providers

To get the appropriate commercial insurance, consider the kind of partners you choose to work with. Compare various providers on the market and look at their ratings, reputation, and credibility. Based on these, you can then identify a suitable candidate who will ensure that your needs are met.

Alliance Insurance Partners specializes in helping businesses get commercial coverage tailor-made to suit various needs. Call us today to get coverage of your Scottsdale, AZ business.

This blog explains your options if you have an existing condition but want to obtain long-term care (LTC) insurance. A few conditions do mean you cannot obtain it like certain kinds of cancer, but most chronic diseases like diabetes do not preclude you from long-term care insurance. 

You may need your insurance agent at Alliance Insurance Partners serving Scottsdale, AZ to help you shop around for an underwriter. As long as you can capably handle what the insurance industry terms the six “essential activities of daily living,” you can qualify for LTC insurance. The six activities you should be able to handle on your own are:

• Transferring,
• Toileting,
• Eating,
• Dressing,
• Continence,
• Bathing.

The reason you must be capable of all six of those items is that LTC coverage pays for assistance with those six things. An in-home care assistant works with you to accomplish the basic tasks with which you need help. 

Since many insurance companies prefer not to extend coverage for services you already require, if you have a diagnosis of certain cancers, Parkinson’s, or Alzheimer’s disease, or if you use a walker to assist in mobility, you typically will find LTC coverage out of your reach. 

Lifestyle choices combined with a chronic condition can also keep you from getting approved. The chronic condition itself typically does not cause an issue. For example, a diabetic can obtain LTC coverage. If a diabetic individual chose to overeat and smoke cigarettes though the insurance company would typically decline them for coverage. Disease management and lifestyle choices significantly contribute to an individual’s insurability. 

Call or visit Alliance Insurance Partners serving Scottsdale, AZ for more information on LTC insurance. Let us help you obtain the coverage you need.

The Scottsdale, AZ area is a fast-growing part of the country due to the nice weather and access to a wide range of local amenities. Those that are in this area need to spend time thinking about all of their different personal insurance needs. One type of insurance coverage that you may need in this area of Arizona is disability insurance. There are a few different reasons why you should make sure that you have disability insurance coverage at all times. 

Coverage if Injured

Being injured or becoming ill and not being able to work can put a lot of financial strain on someone. Fortunately, you can mitigate this risk if you get disability insurance. When you get this coverage, it will give you financial protection if you cannot work and are disabled. This can be used to replace your income and pay for medical, therapy, and other expenses that could be incurred as a result of your disability.

Peace of Mind

You should also get this coverage as it will offer you peace of mind. The risk of being hurt and not being able to work due to a disability is something that all people need to consider. When you get the coverage that is needed to offset this risk, it can provide you with peace of mind. 

People that are shopping for disability coverage in the Scottsdale, AZ area should call the professionals with Alliance Insurance Partners. There are a lot of reasons to speak with Alliance Insurance Partners including their experience in helping people build and choose a proper insurance plan. The team here can help to explain what your options are when it comes to disability coverage and help you choose a plan that is appropriate and meets your needs. 

Whether you own a Harley Davidson, dirt bike, touring bike, or just a street cycle, you can obtain motorcycle insurance coverage for your treasured machine to give you confidence as your ride in the busy streets of Scottsdale, AZ. As a local agency, Alliance Insurance Partners ensures that you as a motorcycle owner can get a policy that fits your needs. You don’t have to worry about the hefty bills or damage costs if you get involved in an accident. Common coverages you can secure for your motorcycle include Custom parts and Equipment, Uninsured/Underinsured Motorist coverage, Medical coverage, roadside assistance coverage among others.

Common Coverage Options For Your Motorcycle

• Medical coverage: Medical coverage ensures that the cost incurred in case of an accident is covered for both you and your partner or any other person injured as a result of the accident.
• Custom parts and equipment coverage: This is an authorized policy that ensures your motorcycle can be insured even if it has permanently fixed custom parts or equipment or any changes done other than those initially installed by the manufacturer for the purpose of the motorcycle’s physical appearance or performance.
• Road assistance coverage: For any possible breakdown while away from a mechanic or the garage, this policy will provide you with roadside assistance.
• Uninsured/Underinsured Motorist Coverage:  This policy covers all insured and uninsured persons who incur death, injury, or pain and suffering as a result of a motorcycle accident.
• Liability coverage: This insurance covers individuals that sustain an injury or suffer due to an accident caused by your motorcycle. Under this, coverage included bodily injuries and property damage. 

At Alliance Insurance Partners in Scottsdale, AZ, we care about your life and the life of your motorcycle. Our insurance experts are always ready to receive your questions and assist you to choose the type of coverage that fits your needs. If you want the best insurance provider in town, visit our online portal or our agent locations in Scottsdale AZ to discuss your insurance needs today.

Liability risk is something that all people face on a daily basis. Since the risk of being sued for liability is a real one, it is important that you get the right insurance in place to protect yourself. When you are looking for some personal liability insurance and are in the Scottsdale, AZ area, you should consider umbrella insurance. There are several reasons that you should get an umbrella insurance policy. 

Coverage for a Diverse Set of Risks

One of the reasons that you should get umbrella insurance is that you will receive coverage for a more diverse set of risks. While you can get coverage for liability for auto or home accidents, there are many different risks that are harder to protect against. When you get umbrella insurance, you will receive coverage against a much wider set of risks. 

Additional Protection

Another reason that you should get an umbrella insurance policy is that it can give you additional protection. When you have a home or auto policy, you will receive some level of liability coverage that will give protection if you are at fault for a covered accident. However, there are still situations when the damages could exceed your policy limit. When this happens, having an umbrella insurance policy will be beneficial as it will give you the coverage that you need on top of the other policies.

When you need an umbrella insurance policy in the Scottsdale, AZ area, you should call the team at Alliance Insurance Partners. If you do call the team at the Alliance Insurance Partners you can learn more about the benefits of this type of coverage. They will also be able to assess your personal needs and situation to determine what level of umbrella coverage is right for you. 

Flood insurance uses five different options for home value determination and which you choose for your policy decides how much you will get for your house in the event of a flood. This blog explains those choices and how they affect your repairs or rebuilding if a flood occurred.

Your insurance policy from Alliance Insurance Partners serving Scottsdale, AZ 

might include one of four different types of valuation for your property and home. This valuation determines the reimbursement you would get if you had to file a claim to rebuild due to loss. The common valuation models are:

• functional replacement cost,
• market value,
• replacement cost,
• actual cash value.

Policies rarely use functional replacement cost, but you can request it. You would receive the appropriate amount of money to rebuild with different, cheaper materials such as drywall instead of plaster. Your new building would resemble, but not replicate the original.

Market value also rarely gets used, but insurance companies may use it to determine the appropriate valuation method for the policy. This refers to the property estimate it would fetch at a sale. This refers to the same things as open market value, fair market value, and fair value. This could use the basis of a home appraisal.

Most policies use replacement cost as the property insurance valuation method. It comes closest to reimbursing you for what it actually costs to rebuild your home.

An actual cash value policy pays who the current value which may be much lower than you paid for the home. If the neighborhood declined while you resided it in it, the home lost value. You get the lower value.

You can purchase a warranty that insures your home for the actual cost to rebuild including any changes to local building code that would cause you to spend more money. You must request this and the premiums are higher.

Contact Alliance Insurance Partners serving Scottsdale, AZ to learn more about flood insurance and protecting your home. Let us help you keep your property safer.