HOMEOWNERS

The biggest asset for most people is their home. Lose that, and you will likely lose a big part, if not most, of your net worth. Even if you don't own, but rent, you can still easily lose all your belongings in a sudden fire or other disaster. That's where homeowners and renters insurance comes into play.

Homeowners insurance will protect your property, whether it's a ranch in the country or a condo in the city. Homeowners insurance will not only cover a home structure, it can cover the contents as well. Of course, all of this depends on how much coverage you purchase and whether you have any add-ons, known as endorsements, attached to your policy for extra coverage or protection of special or valuable items.

Homeowners insurance also covers you for liability should someone be injured on your property. It will also cover damage to some of your possessions that are not located at your home. This includes damaged luggage on a trip or property stolen from your car.

Please note that most homeowners insurance policies exclude Flood and Earthquake losses. It seems that their is a major flood or earthquake in the world each day. You can buy coverage to protect your home against both of these disasters. Please discuss with an Alliance Insurance Services representative today!

If you have valuables (i.e jewelry, artwork, collectibles, firearms) please make sure they are properly listed on your home owners insurance policy. Don't find out after a theft that you don't have the proper coverage.