home insurance

Your Home Is Your Castle… Let’s Make Sure It’s Protected

A family’s home is often their biggest asset.  Making sure that your Homeowners insurance protects your investment is important.  Insurance Alliance Group is here to guide you through the process of getting the proper home insurance coverage you need to guard your castle.

At Insurance Alliance Group, we enable you to find the coverage you need at a price you can afford.  As a Trusted Choice® independent insurance agency, we proudly offer many choices to help you select the home insurance that is right for you.  Insurance Alliance Group does not view insurance as a one-size-fits-all business.  We will visit with you to discuss your needs, concerns, and expectations before we make any insurance coverage recommendations.

What Do All Those Homeowners Insurance Coverages Mean?

Real Property:  Homeowners insurance gives you peace of mind.  Your house and separate structures are covered for almost any kind of damage except common exclusions such as wear and tear, earth movement, earthquake, flood, nuclear hazard and certain business activities.  Separate structures are covered at 10 percent of your home insurance coverage.  Extended Replacement Cost (of up to 150 percent of dwelling coverage) is available.

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Additional coveragesPersonal
LiabilityGuest
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Homeowners Coverage
Homeowners insurance gives you peace of mind. Your house and separate structures are covered for almost any kind of damage except common exclusions such as wear and tear, earth movement, earthquake, flood, nuclear hazard and certain business activities. Separate structures are covered at 10 percent of your home insurance coverage. Extended Replacement Cost (of up to 150 percent of dwelling coverage) is available.
This insurance coverage protects your contents or personal belongings anywhere in the world. Contents Replacement extends coverage to include the cost of repair or replacement without the deduction for depreciation.
If you can’t live in your house after a covered loss, this part of your home insurance coverage takes care of the additional cost of living such as staying in a hotel, the cost of meals, doing laundry, etc.
In the event someone is injured on your property or you damage property that belongs to others, you could be held legally liable for the injury or damage. This home insurance coverage provides liability and personal property insurance to financially protect you should this ever occur.
This part of your home insurance pays medical expenses of others injured at your home, regardless of who is at fault.
These are recommended insurance coverages for homeowners to help protect additional areas of your home or items that may not be covered by the basic homeowners insurance. Sewer and drain coverage for your basement, earthquake coverage, business use, and coverage for your valuables such as jewelry, silver, furs, guns and art can be added to your policy to protect more of your assets.
Get A Quote

We quote your homeowners insurance needs with several major carriers competing for your business.  Some of our home insurance companies include:

  • Travelers
  • Safeco
  • Allied / Nationwide
  • Foremost
  • The Hartford
  • Kemper
  • State Auto
  • Kansas Mutual
  • Bremen Farmers’ Mutual
  • American Modern

Insurance Alliance Group is here for you.  Let us shop the market for you with all of our homeowner insurance companies.

Lower your premiums… NOT your expectations. Call us today at (913) 900-1000.