Most of us don’t hesitate to get our homes or cars the proper insurance coverage. These are valuable possessions that can potentially suffer thousands of dollars of damage in a storm or an accident. They also need protection against theft and vandalism.
The boats, motorcycles and ATVs that many people own are also valuable possessions. Some larger boats cost as much as a house. These possessions also need the right level of insurance protection against accident, theft or vandalism. With the number of storms that come through Florida each year, you need to make sure that your valuables are protected from hurricane winds and hail.
At Alliance Insurance, we offer home insurance and car insurance. We also have plans available to cover your boat, motorcycle or ATV. You need protection for these items, and we would be happy to assist you in finding the right insurance solution for you. If you live in the Sarasota area, contact Alliance Insurance for your insurance needs.Read More
Most people think of home insurance as something that protects the structure of their home from perils such as tornadoes, hurricanes and fires. It does do that, but it also provides additional coverage that can be just as important: personal liability coverage.
Personal liability coverage can help to protect your assets in the event that you are sued and may face liability. The scenarios can be numerous. They could include your dog biting someone while out on a walk, a person slipping and falling on an icy sidewalk in front of your home or you facing a libel lawsuit over something you said on a social media page.
The personal liability portion of your homeowners insurance will cover you for these events and allow you to feel more secure that your assets will be protected. To find out more about personal liability protection, call Alliance Insurance or check out its website at alliancesrq.com.Read More
Alliance Insurance provides both auto and home insurance to Sarasota residents. We believe in protecting our clients regardless of who’s at fault. Our experienced claims representatives know how to handle your needs after an accident or claim. When writing new auto policies, we ensure our clients are protected with the right amount of coverage. We’ll never recommend something that a client doesn’t need to protect themselves.
In the event of a claim, our clients are often protected in all situations. Alliance Insurance takes care of clients by protecting themselves, their property, and their loved ones. We’ll take care of the other party in an accident in the event that our insured is at fault for causing the accident. Either way, we believe in protecting consumers when they need protection the most, and we’re committed to providing incredible service.
Auto claims are often complicated and sticky situations. Nobody likes dealing with a claim after an accident. For the best results, AlRead More
If you are in the process of moving to Florida, you need to consider what types of insurance protection you will need for your new home and assets. Alliance Insurance of Sarasota can provide the protection you need from theft, natural disasters, and other occurrences that you might not think about while living in other locations of the world. Most insurance policies will cover your belongings as well as your home and structures on your property in the event of a fire or theft. Accidental damage is usually covered as well. When you begin a home insurance policy, try to make a list of the items that are in your home so that the agency has a better understanding of what needs to be covered. Contact us today to help protect your home, auto, boat, motorcycle or more!Read More
Business owners in Florida face numerous risks through normal business activities. All types of business owners face liability risks in various ways. For example, an HVAC contractor may be sued if he damages a customer’s property through the course of regular work activities. A restaurant owner may be held accountable if the restaurant serves tainted food that results in illness or worse. These are only a few of many examples of liability risk that businesses owners face through regular operations. Business liability insurance is available to protect you against financial loss related to these and other situations.
Business liability insurance in Florida is similar to the liability coverage on a home insurance policy. If you face liability related to property hazards, poor service or something else, you may be sued for damages. Liability insurance may provide you with financial support to pay for legal expenses as well as fines and penalties that you are required to pay. Without covRead More
If you own a home, you have to insure it, and thanks to large disasters as well as overall inflation, most people’s homeowners insurance premiums are going up. If you are looking to reduce your homeowners insurance costs, there are a number of things you can do, including raising your deductible, shopping around and installing a home security system. One thing you may not have thought of, however, is having a wind mitigation experience.
Since much of the damage covered by home insurance in Florida, comes from wind, insurers are very concerned about it. That’s why many insurers require a wind mitigation inspection, and it’s actually a good thing. During the inspection, the inspector will look for key features and additions to your home that would qualify you for discounts on insurance. He or she also will give you tips on things you can do to your home to get further discounts.
To learn more about home insurance in general and wind mitigation inspections specifically, contact the expeRead More
Do You Have Property Insurance?
When you live in Florida, it is essential to have flood and hurricane insurance for your residential or commercial property. Hurricanes occur each year in Florida, and some of these storms are devastating, leading to massive property damage from the high winds and torrential rains. In addition to the damage caused from the rain and wind, the local waterways and sewage systems can overflow, causing additional problems for your property. Without insurance, you can’t afford to repair or replace a building, and this can lead to a significant financial loss.
Request a Hurricane or Flood Insurance Quote
At Alliance Insurance of Sarasota Inc., we have agents who can help you choose the correct hurricane or flood insurance for your needs. We can evaluate your property to understand how much coverage is required for your property’s region based on its particular risks. Having insurance on your commercial or residential property can give you peace of mind whenRead More
When you live in a coastal state like Florida, you can save money on your home insurance premiums by hiring a certified inspector to perform a wind mitigation inspection. Wind mitigation involves performing whatever home repairs and renovations necessary to reduce the risk of damage and associated loss caused by the strong winds that often occur with storms and hurricanes in the region. Given the high number of coastal storms, a large portion of the costs related to most Florida insurance plans is related to the wind-related risk.
A wind mitigation inspector looks at a lot of different home features like construction materials, the presence or lack of shutters and other types of door and window coverings and roof design and slope. The inspector also checks if everything is to code. Once the inspection is complete, you’re given the opportunity to improve your home if necessary so that it can better withstand strong winds and result in a positive wind mitigation report.
Why is the repoRead More
There is plenty to love about living here in the Sunshine State. We are blessed with a great climate, sunny skies, and beautiful views that can’t be beat. However, there are also some things that can be a little challenging about living in Florida, such as the state’s high home insurance rates. You certainly cannot control all of the factors, such as hurricanes, that tend to make rates higher, but you can make changes that will keep your home safer and reduce your insurance rates.
One of the most common ways to reduce your bill is by receiving a wind mitigation report. When this report goes to your insurance agency in Sarasota, Manatee, or Charlotte County, it proves that your roof can withstand high winds without catastrophic damage when a storm occurs. Although home owners have to pay to get this report completed by a licensed inspector, the annual savings on home insurance can be significant.
If you have any questions about whether or not a wind mitigation report could be beneficRead More
Keeping Your Boat Insured When You Are In Florida Waters
The fact of the matter is that if you are going to have a boat in the waters off of the coast of Florida, then you need to make sure that you at least have the proper boat insurance to keep you safe. Just like you would go out to purchase home insurance to protect yourself from the chance of your home falling to damage or theft, you will want to do the same when it comes to your boat.
The boat insurance that you purchase may be more important than any other type of insurance that you purchase for simple virtue of the fact that you are going to have protection from any injuries or accidents that happen to others who are on your boat during a period of time when an accident occurs in Florida.
There are some pretty strict laws when it comes to what you may have to pay for injuries or accidents that occur on your boat. The civil penalties that one can incur are heavy, and it is best to have the proper insurance in order to avoid cRead More