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Do You Have Property Insurance?

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 when

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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

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 repo

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Perfect pool patios

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 benefic

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Keeping Your Boat Insured When You Are In Florida Waters

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 c

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If you drive a car

If you drive a car in Sarasota, Manatee or Charlotte counties in Florida, having the right type of car insurance is very important. Unfortunately, car accidents are very common in Florida, which is why purchasing collision coverage is very important. This type of insurance coverage protects your vehicle should you get into an accident with another driver. Even minor accidents can result in thousands of dollars worth of damage to your vehicle. If you don’t have the right coverage, you could end up having to pay the repair bills on your own.

It’s also a good idea to take comprehensive coverage for your car. This coverage helps pay for damage that wasn’t caused by a collision. It covers damages due to theft, vandalism, fire, natural disasters and hitting an animal that has strayed onto the road. If you lease or finance your car, you usually have to take comprehensive coverage for it.

Get in touch with Alliance Insurance today to get a free car insurance quote. If you’re a homeowner, we

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If you drive a car

If you drive a car in Sarasota, Manatee or Charlotte counties in Florida, having the right type of car insurance is very important. Unfortunately, car accidents are very common in Florida, which is why purchasing collision coverage is very important. This type of insurance coverage protects your vehicle should you get into an accident with another driver. Even minor accidents can result in thousands of dollars worth of damage to your vehicle. If you don’t have the right coverage, you could end up having to pay the repair bills on your own.

It’s also a good idea to take comprehensive coverage for your car. This coverage helps pay for damage that wasn’t caused by a collision. It covers damages due to theft, vandalism, fire, natural disasters and hitting an animal that has strayed onto the road. If you lease or finance your car, you usually have to take comprehensive coverage for it.

Get in touch with Alliance Insurance today to get a free car insurance quote. If you’re a homeowner, we

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Alliance Insurance

Alliance Insurance
When you own a home and/or a business, you need to make sure they are insured against all possible perils, so that you protect your investment. Home insurance can protect your home and various forms of insurance can protect your business. However, those policies may not be enough.

In Florida, of course, your biggest risks are hurricanes and flooding. Peak hurricane season has begun, so it’s important to check your homeowners and business policies to see what coverage you have for hurricane damage. Many policies may exclude hurricane coverage, especially for wind damage, or require you to purchase a rider.

One thing neither home insurance nor business insurance cover is flooding. That requires you to have a private flood insurance policy. This is a good idea for people in Charlotte, Manatee and Sarasota counties, even if you aren’t in a designated flood zone.

For all your insurance needs, Alliance Insurance is the company that can help. Give us a call or check out

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Alliance Insurance

Alliance Insurance
When you own a home and/or a business, you need to make sure they are insured against all possible perils, so that you protect your investment. Home insurance can protect your home and various forms of insurance can protect your business. However, those policies may not be enough.

In Florida, of course, your biggest risks are hurricanes and flooding. Peak hurricane season has begun, so it’s important to check your homeowners and business policies to see what coverage you have for hurricane damage. Many policies may exclude hurricane coverage, especially for wind damage, or require you to purchase a rider.

One thing neither home insurance nor business insurance cover is flooding. That requires you to have a private flood insurance policy. This is a good idea for people in Charlotte, Manatee and Sarasota counties, even if you aren’t in a designated flood zone.

For all your insurance needs, Alliance Insurance is the company that can help. Give us a call or check out

Read More

Alliance Insurance

Alliance Insurance
When you own a home and/or a business, you need to make sure they are insured against all possible perils, so that you protect your investment. Home insurance can protect your home and various forms of insurance can protect your business. However, those policies may not be enough.

In Florida, of course, your biggest risks are hurricanes and flooding. Peak hurricane season has begun, so it’s important to check your homeowners and business policies to see what coverage you have for hurricane damage. Many policies may exclude hurricane coverage, especially for wind damage, or require you to purchase a rider.

One thing neither home insurance nor business insurance cover is flooding. That requires you to have a private flood insurance policy. This is a good idea for people in Charlotte, Manatee and Sarasota counties, even if you aren’t in a designated flood zone.

For all your insurance needs, Alliance Insurance is the company that can help. Give us a call or check out

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We’re early in the hurricane season, so there is still time to make sure you have both your home and business prepared for the potential of storms. Here are some of the things you can do.

Check to see that you are prepared for a storm. Do you have an emergency kit ready and a place to go? Is the generator at your place of business gassed up and in good shape? You don’t want to find out you have failed to plan after a hurricane hits.

Make sure to go over your home insurance and your business insurance to see what your hurricane coverage is and what changes your insurer may have made. The last thing you want to see happen is to get hit by a storm and then find out you aren’t covered for some of the damage.

If you do need to make changes in your insurance or boost your coverage levels, let Alliance Insurance help. We are your Sarasota insurance specialists and we also serve customers in Manatee and Charlotte counties as well. Call us today or visit our website: www.alliancesrq.com.

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