Does Home Insurance Cover Dust Storm Damage?

If you’ve lived in the Scottsdale, AZ area for a while, or you’re familiar with life in other areas of the desert Southwest, you’ve probably encountered a dust storm before. These can be surprisingly destructive depending on their size, wind strength, and other factors. But are they covered by your home insurance? In most cases, they are. If you’re not sure about the coverage you have on your policy, or you’re new to the area and need insurance for your home, Alliance Insurance Partners can help you get the quality insurance coverage you’re looking for on your Arizona home. Then you won’t have to worry about dust storms and other types of problems, so you can enjoy everything the state has to offer.

Unlike floods or hurricanes, which typically require separate policies or riders on the main home policy, dust storms are generally covered under most home policies in Arizona. Of course, there can be some exceptions. That’s why it’s so important to work with a dedicated and knowledgeable agent to make sure you’re getting the policy you need and the type and level of coverage you expect. It’s important to make sure your coverage is right, in case you need it at a later date. Because dust storms are possible all throughout the state, a policy covering them can help add to your security.

At Alliance Insurance Partners, we can help you and all our Scottsdale, AZ area customers find the home insurance policy they need to have peace of mind when it comes to dust storms and other acts of nature. You don’t have to settle for a potentially sub-par policy that might not cover your home adequately. Reach out to us today, and we’ll find a policy that’s going to give you the protection you’re looking for, including coverage for dust storms.

What Commercial Insurance Do You Need for a Home Business?

If you have a home-based business in Scottsdale, AZ, it’s still important to have commercial insurance. The coverage you will need for your home business will depend on your industry or your business. An agent at Alliance Insurance Partners can help you find the right coverage.

Business Property Insurance: If you have the equipment to run your home-based business, such as a computer, printer, furniture, or fax machine, business property insurance can insure against loss or damage to property. Your homeowner’s insurance typically won’t cover your business equipment losses.

Liability Insurance: If you have a client come to your location for business, then you need liability insurance. It will protect your business and you from being liable for damages that are caused by another person or property. Your home insurance policy won’t cover claims made from visitor business. If someone making a business delivery slips and falls, then you will need liability insurance instead of homeowners insurance.

Professional Liability: Just like professionals working outside of their home, professionals working within in their home also need this insurance. If you are a consultant, then professional liability can protect you against failure to deliver claims or potential negligence claims made by clients.

Product Liability Coverage: If your business supplies or makes a product, then you need product liability coverage, which will protect your business from damages or injuries caused by a product you supplied or manufactured.

Commercial Auto Coverage: If you make or pick up deliveries or use a vehicle for business, then your personal auto policy won’t cover accidents when related to these business uses.  

Other Coverage: Depending on your business, you may also need other coverage, such as commercial crime insurance, to protect against losses from fraud or other crimes.

Contact Alliance Insurance Partners, serving Scottsdale, AZ, to get a quote on commercial insurance. 

Unexpected Coverage Options You Might Want to Consider for Your Home Insurance

Most home insurance policies cover standard things like fires, break-ins, and falling trees. But there are some unexpected coverage options that you might want to consider as well —  most of which depend on where you live and how you live your life.

1. Volcanoes and earthquakes

Unless and you live in Hawaii, you probably don’t have to worry about volcanoes but remember that earthquake coverage is not covered under most traditional home insurance policies.

2. Identity theft

With increases in cybercrime around the globe, identity theft is becoming more common than ever, and it’s a good idea to make sure that you are covered. Identity theft can lead to loss of wages, a faulty credit report, huge loss of finances, a criminal record that is not actually yours, and huge legal fees and time spent dealing with the problem.

3. Dog Bites

If you have a dog, be cognizant that — depending on their size and breed — they may be able to do serious damage to someone in the event of an attack or scuffle. If this is the case, medical bills may go into the thousands, and you will want to make sure that you have coverage to take care of this.

4. Other coverage options

  • Home upgrades required by law
  • Spoiled food
  • Your kid’s things while they are at college
  • Flooding, in certain situations
  • Tombstones
  • Gazebos, patios, and sheds
  • Riots

Contact Alliance Insurance Partners

Scottsdale, AZ residents who are interested in purchasing a new home insurance plan or modifying an existing policy are in luck! Alliance Insurance Partners serve the residents of Scottsdale, AZ, and 28 other states, and we would love to sit down with you and take a look at your options. To learn more about the home insurance plans that we have, and to find a plan that fits your unique needs, give us a call or stop by our nearest location.