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Auto - Home - Life - Business - Health
What is replacement cost"?
When "replacement cost" coverage is used in a policy, a policy owner is reimbursed an amount necessary to replace the article with one of similar type and quality at current prices.
Where and when is my personal property covered?
Coverage C of a homeowners policy provides named perils coverage. This applies to all your personal property (except property that is specifically excluded).
Should I purchase earthquake coverage?
Direct damages due to earthquakes are not covered under the standard homeowners insurance policy. If you live in an area that is prone to earthquakes, you may want to consider adding an earthquake endorsement to your homeowners insurance policy. This endorsement will cover damages due to earthquakes, landslides, volcanic eruptions and other earth movements.
Should I purchase flood coverage?
If your property lies in a flood plain as determined by US Government Flood Maps. Ask your independent agent about a flood quote.
What is homeowners insurance?
Homeowners insurance is a form of personal lines insurance. The typical homeowners policy has two main sections:
What do I need to know when purchasing homeowners insurance?
What is "actual cash value"?
When "actual cash value" is used in a policy, a policy owner is entitled to the depreciated value of the damaged property.
Let us take a look
Our team of licensed professionals will analyze your current policy and help you determine which coverages you need. Our carriers offer a wide variety of discounts that you may be missing out on. Call us today for a free quote or submit a quote online by clicking the link below.
Umbrella Insurance also available; will protect you in the event of catastrophic claim, lawsuit or judgment.
Limits available up to $10 million
Can blanket multiple locations
Very affordable option for the additional coverage
Things to consider when purchasing Homeowners Insurance
The cost to rebuild and replace your belongings in the event of a loss
Bundling your home and auto insurance can save you up to 30%
Does the insurance company have a good reputation with customer service and claims service
Be sure to include Sewer Back-Up coverage to cover against sump pump failure or other drain/plumping issues
Personal Liability Protection
Coverage for your dwelling and attached structures
Personal Property Coverage
Loss of use reimbursement due to claims within coverage guidelines
Optional coverage’s such as scheduled property, (i.e. jewelry, collectibles, arts, furs, etc.) & identity theft
We can provide coverage for all types of dwellings
Single Family (HO-3 & HO-5)
Landlord/Investment Properties(DP-1 & DP-3)
Vacant Property & Vacant Land
Flood Coverage***Flood is not included on a home owners policy; it must be requested as an additional policy. ***
The biggest investment most people will ever make is in their home. That’s why it makes sense to protect the sizable financial investment you’ve made in your own home with a comprehensive homeowners plan.
Your home purchase is an investment deserving the protection that only an experienced insurance professional can provide.
Our commitment to you as your local Independent Insurance Agency, Allegiance Insurance will properly protect you and your investment. Whether you’re a first time home buyer or a seasoned investor we have the options and knowledge to meet your insurance needs. We are here to help and give you peace of mind.
Offering Business & Commercial Insurance products
Offering Automobile & Home Insurance from Multiple carriers
Auto - Home - Life - Business - Health
Offering Life & Health Insurance
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