Can You Purchase Disability Insurance If You Have A Preexisting Condition?

There have been significant changes in health care or medical insurance as related to pre-existing conditions. The agents of Alliance Insurance Partners in Scottsdale, AZ, will provide you with the latest information and guide you through the process of obtaining medical insurance.

The insurance company has complete control over the coverage, and if the person wanted a better health care policy, then they could merely seek another offer from another company. However, with the election of President Obama, the Affordable Care Act was passed creating a public/private health insurance system. One of the most popular provisions of Obamacare was a pre-existing condition clause that favored the consumer.   

Historically, an insurance company can deny health care insurance to a person who had a pre-existing medical condition unless that was a significant increase in premium which would be considered a surcharge. Insurance companies varied in their surcharges for the same pre-existing condition. If the company decided that you had a pre-existing condition, your policy would be limited by a medical exclusion rider. However, there is or maybe was a short-term disability policy that does not exclude pre-existing conditions which are referred to as a "Guaranteed Issue" disability insurance.

With the passage of the Affordable Care Act, Insurance company’s were not permitted to exclude pre-existing conditions from their health insurance policies. The 2016 election of Donald Trump has brought on significant uncertainty as to whether President Trump’s health care policy dramatically limited Insurance companies from excluding pre-existing condition. President Trump has stated that Obamacare’s pre-existing policy has not been changed.

Alliance Insurance Partners in Scottsdale, AZ is ready to provide you with a reliable healthcare insurance policy. Please call for a consultation.

Motorcycle Insurance, Required in Many States and Important for All Bikers

There is nothing like hitting the open road on a motorcycle. The wind, the sunshine, all giving you an experience like none other. Like all assets you own, you want to protect them. Motorcycle insurance is the layer of protection you need, and understanding the basics of the policies is pivotal. Whether you are someone who rides a motorcycle on occasion or as your primary form of transportation, motorcycle insurance is a necessary purchase to protect the bike and yourself on the road. Our team at Alliance Insurance Partners in Scottsdale, AZ is ready to help walk you through everything your motorcycle policy should cover.

States Require It

The vast majority of states will require anyone on a motorcycle to have basic liability insurance. The liability insurance is going to cover you if you cause injuries to someone else, or to someone else’s property. The minimum requirement in most states is for motorcycle insurance to include this type of protection.

Additional Requirements

Additional requirements may also exist if you do not own the bike outright. If you are leasing the motorcycle or if you have it financed through a company, you may also be required to purchase coverage to protect you and the bike further.  

Added Coverage

It is always best to go beyond the essential liability protection when talking about motorcycle insurance. Collision coverage is one option that you are likely going to want to consider. The collision coverage will pay in the event that you have damage to your bike from an accident. Comprehensive coverage, as well, will protect it if there is theft or vandalism to the bike.

Individual coverages will also exist and our team at Alliance Insurance Partners in Scottsdale, AZ can walk you through all of the options. Motorcycle insurance is essential and even required in many states. Have an awareness of the basics of the policies to help determine what will meet your needs whether you live in Arizona or one of the many other states we serve. Reach out to our offices for a quote and more information.

How Umbrella Insurance can Provide Extra Insurance for Large Expenses and Lawsuits

Your basic commercial liability insurance may not be enough if you are in a high-risk business. Every day headlines announce multi-million-dollar settlements for bodily injury and property damage. Ask a professional from Alliance Insurance Partners in Scottsdale, AZ whether your business would benefit from umbrella insurance.

What is Umbrella Insurance?

Umbrella insurance provides additional coverage to support your general liability insurance in Arizona or any other state. Umbrella insurance is available to supplement your home, auto, or business coverage. If you go over the limit on your other insurance coverage, an umbrella policy covers the remaining amount up to the umbrella policy cap.

Business owners buy umbrella policies to protect their assets from court judgments involving accidents for which they or an employee was at fault. It covers bodily injury, death, and property damages. When you settle a claim or receive a judgment from a court case, your umbrella covers the cost.

Who Should Buy Umbrella Insurance?

Professionals of all types and lines of work use umbrella policies. This policy isn’t just for the wealthy. In fact, the less you have, the more you need additional protection. Most umbrella claims come from vehicle accidents. Most people will be in at least one accident in their life, so it’s not hard to understand. However, some at-risk people would primarily benefit from this insurance. If any of these apply to your business, contact Alliance Insurance Partners in Scottsdale, AZ for more information.

  • Certain dog breed owners
  • Manufacturers and drug producers
  • Business owners of all size businesses
  • Medical, legal, and consultant businesses
  • Real estate fields, including realtors, landlords and property owners

Contact Us

Contact Alliance Insurance Partners today for more information on your additional commercial insurance needs and to set up an appointment for a quote.


Does It Ever Flood In Arizona?

When you call Alliance Insurance Partners for a policy on your Scottsdale, AZ home, you may be surprised when they mention flood insurance. So that brings up an important question: does it ever flood in Arizona? Well, you’d be surprised.

A History of Floods

In 2017, severe flash flooding hit Cold Springs, leaving some of the people affected dealing with hypothermia. The flash floods also hit Mayer, AZ, a very dry desert city, bringing walls of mud and water to the town.

Does Arizona experience flooding at the same rate as say, Florida? Not exactly, but that’s part of the danger. We’re not as prepared, we don’t know how serious flooding can be, and we’re not expecting floods, even though there is a very real threat that it could happen. The science behind flooding and monsoon rains can be complicated, safe to say that the hot air of Arizona doesn’t help. When the conditions are just right and a cold front clashes with our warmer climate, it can unleash devastating storms.

So what if a flood never hits your home? Well sure, that’s not entirely unlikely. But insurance isn’t for the problems that you know you’re going to face; insurance is for the what-if’s, the maybe’s, and the possibles. Insurance is to protect us against disasters and accidents that may not be incredibly common, but that are not entirely impossible. This is why you need to call Alliance Insurance Partners and make sure that you’re covered against anything that might happen, and yes, that includes floods in even the driest desert towns. Even safe drivers carry auto insurance, and even Arizonans need to be prepared for a flood.

How Does Condo Insurance Differ from Home Insurance?

While some people may use these two types of insurances interchangeably, they are very different regarding what they cover and how much they cover. If you have a condo, then you do not need home insurance because it will not meet your needs. These are just a few ways the two differ according to Alliance Insurance Partners, serving Scottsdale, AZ.

  • Home insurance covers more liability. With a home, you need to have liability coverage for the structure as well as the land and any other items that you have on that property. This is not the case with condo insurance where you only need coverage for the dwelling. If you have home insurance instead of condo insurance, you are paying too much for the excess liability insurance. 
  • You may need extra insurance for anything not covered by the building. Most condominiums have insurance coverage for the communal areas, but if there are things that are not covered by them, then you will need to make sure that you have this coverage in place. Home insurance will not cover things like this on its own, which is why condo insurance is the best option. 
  • You need to protect yourself from your neighbors. Another thing that home insurance likely does not cover are any damages caused by a tenant. If they cause damage to your property because of an accident, you want your condo insurance to kick in. 

Now that you understand how the two are different, you need to make sure you have the right kind of coverage in place for your condo. Contact Alliance Insurance Partners, serving Scottsdale, AZ, to get started with your condo insurance quote today.

How Much Life Insurance Do I Need?

One of the most important financial responsibilities that people share is the need to have life insurance. When looking for life insurance, those that are in the Scottsdale, AZ area may struggle with determining how much they need. Several different factors should be considered when determining the amount of life insurance to choose.

Your Income Needs

The first thing to consider when building a life insurance policy is how much of your income will your dependents need going forward. Generally speaking, if you have children or other dependents, you should have at least ten times the number of your annual living expenses in a life insurance policy.


Ideally, your life insurance policy should also have an amount of coverage that will help to pay off any debt that you have. If you have credit card debt, a mortgage, student loan debt, or any other type of debt, it would be a good idea to have life insurance left over to pay off these balances. This will help to reduce the number of expenses your family has and can give everyone a clean financial start.

Future Goals

When you are looking to get a life insurance policy, you also need to consider your future financial goals. If you are planning on paying for retirement or future education cost, you should figure out how much more money you will need to fund these goals for your dependents.

When you are looking for life insurance, a great idea would be to reach out to the Alliance Insurance Partners in Scottsdale, AZ. The Alliance Insurance Partners are an experienced insurance group that can help you better understand your insurance needs. They can also help you start the application process for life insurance and even provide you with an initial quote. We also provide life insurance to over 28 different states. Talk with one of our agents to learn more.

How Does Commercial Insurance Protect Your Business?

As a small business owner, you face risks daily that can cause setbacks to your enterprise. Knowing how to handle these risks is essential to the success of your business. Through commercial insurance coverage, you can not only protect a new business but help it expand and grow. Here are just a few of the many ways commercial insurance from Alliance Insurance Partners in Scottsdale, AZ can benefit your business.

General Liability Coverage

General liability insurance protects you against lawsuits in the event a customer suffers injury or property damage due to services or products your company provides. If a customer experiences accidental injury or property damage on your business property, liability coverage will foot the bill for expenses incurred and cover the legal expenses of a lawsuit if it should arise.

Business Property Coverage

If your property, equipment, or goods suffer damage or loss, business property coverage can help cover repair or replacement costs, protecting you from financial loss.

Business Interruption

Business interruption coverage kicks in when you have to close down your business temporarily due to a disaster that causes severe damage to your property. This coverage can help cover lost income, employee wages, rent payments, and the expenses of relocating to a new location while your old one is being repaired. This financial compensation can help you move forward.

Commercial Auto Coverage

If your business uses company vehicles for transporting products or people, commercial auto coverage can protect your drivers and business vehicles in the event of an accident. Commercial auto covers damage to your company’s vehicles and damages or injuries sustained by other drivers in accidents your employee’s cause.

These are just a few ways commercial insurance can protect your business. For more information on commercial coverage and costs, contact Alliance Insurance Partners in Scottsdale, AZ. We provide policies for over 28 states throughout the U.S.

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.

When to Call Your Auto Insurance Agent After An Accident

Alliance insurance Partners works with you to ensure we cover every situation when it comes to auto insurance. Located in sunny Scottsdale, AZ we serve our residents here with pride.

Whether you are in a fender-bender or an accident that involves the need for emergency medical attention, contacting your insurance agent is critical. When you are involved in a motor vehicle accident, it is not always easy to think clearly. It can leave you in a daze, and the adrenaline can affect your judgment.

It is also challenging to be objective in this situation. Adrenaline is rushing through your body at a high rate of speed, and you may be in an emotional state since the wellness of your physical body has just been threatened.

Immediately, people involved in a motor vehicle accident tend to want to assign blame either to themselves or the other party. Believe it or not, that is not as important as making sure you are medically OK. Your first call should be to the police. Depending on the severity of the accident, the 911 operator may call for an ambulance simultaneously.

Your second call should be to your car insurance agent. They will tell you the best way to proceed. It is important that you have a policy that protects your vehicle and your health. An auto insurance policy has much more coverage beyond the liability if you work with an agent to build a quality plan.

Start our alliance today! If you are already a part of the Alliance Insurance Partners family, stop by to say "Hi" and to review your policy. We want to serve the Scottsdale, AZ and neighboring areas with a smile and lasting impression. Try our online rating tool for quotes from home on auto insurance. Our agents can also work with you to determine if you need an update to your policy. Reach out to us and let us help you.