What coverage does condo insurance offer

Scottsdale, AZ is a great place to buy a condo. It is very family-friendly and has top-notch schools, but is also popular with retirees and those looking to spend their golden years in a dry and sunny locale. Once you have found the perfect condo, it is time to find the perfect condo insurance. Our experienced team of agents at Alliance Insurance Partners is here to serve our customers with integrity and we will always put their interests first. 


Owning and insuring a condo is different than a home. With a home, the entire building is yours to insure. With a condo, the condo association has a master policy that covers the exterior of the building and common areas. How far into your condo their insurance goes depends on the policy. It is your responsibility to read your covenant, so you end up with the right condo insurance for your particular unit.


The content is covered by your condo insurance. This includes everything from your kitchen cabinets and appliances to your personal clothing and jewelry. Some categories have limits you need to consider if your possessions exceed the amount the insurance will cover. You have two options for content coverage, actual cash value, and replacement cost. Actual cash value is the amount any item is worth today with depreciation taken into account. Replacement cost is the amount it would cost today to replace the item. 

Loss of use

If your condo is damaged by a covered peril, you may need a place to stay while it is being repaired. If you have loss of use coverage, it will help to pay for a place to stay while you are waiting for the repairs to be completed. 

If you are looking for help making sure that you get the right condo insurance at Alliance Insurance Partners in Scottsdale, AZ, we are here to help. 

Common Mistakes to Avoid When Getting Life Insurance

Life insurance may be one of the policies that provide immense benefits to policyholders and their loved ones, but it is also one of the tricky covers that you might encounter. A single misstep could leave your beneficiaries without any benefits, resulting in unexpected financial distress. To help you get over this hurdle, Alliance Insurance Partners talks about common mistakes to avoid when getting life insurance within Scottsdale, AZ.

Failure to Disclose Important Information

Like every policy, life insurance relies on factual information to help you get the proper policy terms. While you will likely be tempted to leave out details such as existing health conditions to get discounts on your coverage, the outcome will prove to be detrimental. Undisclosed information could lead to declined coverage or unpaid benefits when you pass away, causing harm to your loved ones. To prevent such inconveniences from happening, ensure you fill out all necessary information as required.

Failure to Understand the Various Life Insurance Covers

Each life insurance coverage is different, meaning each caters to specific needs. Before purchasing your policy, ensure you understand what each policy covers, its exclusions, and the cancellation terms. Ask your provider questions to help you figure out which works well with your needs and those of your beneficiaries. Ensure you also ask about policies that offer flexible terms to help you cater to changing needs as time goes by.

Settling for the First Offer

Life coverage also comes with different underwriting needs, allowing you to get enough room for negotiation. Instead of settling for the first offer you are given, negotiate your terms where possible and check for various coverage durations that fit within your preference. In addition to this, be on the lookout for discounts if you bundle multiple policies, helping you get improved coverage for multiple items.

If you need life insurance within Scottsdale, AZ to help you get peace of mind and protection, call Alliance Insurance Partners today.

Crucial Things to Consider Before Getting Commercial Insurance

Getting commercial insurance is one of the safeguards that allow business owners to keep their companies secure when emergencies arise.  Navigating this path, however, comes with its setbacks, with numerous Scottsdale, AZ entrepreneurs left in the dark about what to look for. Alliance Insurance Partners helps with this and details essential things to consider when getting a commercial insurance policy.

Consider Legal Requirements

Before signing up for any commercial coverage option, make it a point to determine the type of legal requirements needed in your state. Each region outlines the various coverage features that businesses need, with numerous favoring employee protection and property damage. Ask your insurance provider to help with this to ensure you stay on the right side of the law.

Understand the Various Coverage Options

After identifying your legal needs, you can then move on to optional commercial policies. Each coverage will be different depending on your industry and will require you to understand the various items covered by each. A few examples to consider are general liability insurance, commercial auto insurance, business owner’s policy, and professional liability insurance.

Identify Factors That Affect Your Insurance Rates

Insurance rates often rely on various industry risks and business operating factors. With this in mind, consider checking your employee’s experience, your business’s location, and the assets you own. Ensure that you also have the proper safeguards at your premises to ensure that your employees and customers are protected, as these will also come in handy in helping you get affordable cover.

Work With Reputable Insurance Providers

To get the appropriate commercial insurance, consider the kind of partners you choose to work with. Compare various providers on the market and look at their ratings, reputation, and credibility. Based on these, you can then identify a suitable candidate who will ensure that your needs are met.

Alliance Insurance Partners specializes in helping businesses get commercial coverage tailor-made to suit various needs. Call us today to get coverage of your Scottsdale, AZ business.

Is commercial insurance in Arvada a good investment for a business?

Those that wish to own a business should consider doing so in the Arvada, CO area. As you are looking to start a business here, you should also assess your commercial insurance needs. This is a great investment for any business in this area of Colorado as it can help provide a number of protections. 

Coverage Offset Liability Risk

One of the reasons that you need to have this insurance for your business is because it will offset liability risk. A business owner in this area of Colorado needs to recognize they will always be taking on some form of liability risk. If you have a customer that gets sick or hurt through the use of your product, you could be held liable. With proper commercial coverage, you can receive protection against this risk, which could keep your business solvent. 

Coverage for Business Assets

Business owners should also get insurance for their business to protect the assets that they have had to acquire. If you want to build the business, you will need to invest in a variety of different assets to get it moving. When you purchase a commercial coverage plan, it will give the proper coverage that you need to protect these assets and ensure you can repair or replace them if they are destroyed or stolen.

The Arvada, CO area continues to be a great place to start a company. As you are looking to grow your firm here, calling the team at Alliance Insurance Services will be helpful. The team with Alliance Insurance Services understands how important it is to get commercial insurance. They will give all the guidance you need to fully understand your options and choose a plan that is right for your company. 

Key Items Covered Under Home Insurance

Having home insurance in Scottsdale, AZ guarantees that you are shielded from property damage and expenses arising from liability claims no matter what happens. But that is not to say that this policy comes with unlimited coverage. Alliance Insurance Partners highlights the critical items covered under home insurance and what to expect from your policy.

Damage to Your House

When your house gets damaged due to incidences such as vandalism, fires, or other covered disasters, home insurance will take care of the costs of repairs and rebuilds. This includes any destruction that happens to the interior and exterior of your main house. In addition to this, personal items such as clothing, appliances, and furniture are also covered. However, high-priced items will fall out of this coverage feature and will require you to get a more customized policy for full protection.

Additional Living Expenses

If your house’s damage renders your premises uninhabitable, you will likely need a rental house while your home is being fixed. This comes with costs related to accommodation and restaurant meals which can slowly accrue based on your stay. Home insurance provides coverage in these situations, ensuring that all additional living expenses are taken care of.

Personal Liability

Lawsuits can happen for several reasons, with the most common being a personal injury to other parties or property destruction. When this happens, you need coverage that will take care of any impending medical costs along with expenses concerning the replacement or repair of the damaged property. Home insurance comes in handy here, protecting you and your dependants from liability claims that occur at your premises or another party’s property. Keep in mind, however, that costs arising from intentional harm are not covered.

Alliance Insurance Partners offers advice on suitable coverage options for Scottsdale, AZ residents. Give us a call today to get started on your home insurance journey.

Can You Still Obtain Long-term Care Insurance with a Pre-Existing Condition?

This blog explains your options if you have an existing condition but want to obtain long-term care (LTC) insurance. A few conditions do mean you cannot obtain it like certain kinds of cancer, but most chronic diseases like diabetes do not preclude you from long-term care insurance. 

You may need your insurance agent at Alliance Insurance Partners serving Scottsdale, AZ to help you shop around for an underwriter. As long as you can capably handle what the insurance industry terms the six “essential activities of daily living,” you can qualify for LTC insurance. The six activities you should be able to handle on your own are:

  • Transferring,
  • Toileting,
  • Eating,
  • Dressing,
  • Continence,
  • Bathing.

The reason you must be capable of all six of those items is that LTC coverage pays for assistance with those six things. An in-home care assistant works with you to accomplish the basic tasks with which you need help. 

Since many insurance companies prefer not to extend coverage for services you already require, if you have a diagnosis of certain cancers, Parkinson’s, or Alzheimer’s disease, or if you use a walker to assist in mobility, you typically will find LTC coverage out of your reach. 

Lifestyle choices combined with a chronic condition can also keep you from getting approved. The chronic condition itself typically does not cause an issue. For example, a diabetic can obtain LTC coverage. If a diabetic individual chose to overeat and smoke cigarettes though the insurance company would typically decline them for coverage. Disease management and lifestyle choices significantly contribute to an individual’s insurability. 

Call or visit Alliance Insurance Partners serving Scottsdale, AZ for more information on LTC insurance. Let us help you obtain the coverage you need.

Is It Time To Shop For New Auto Insurance?

Auto insurance is probably one of your most important expenses each month. Your auto insurance provides an important safety net for you and your family as well as for other drivers on the road. In addition to this, your auto insurance expense is one of the few expenses you will have that is actually required by law. This makes it even more important to make sure that you are always getting the best possible deal. At Alliance Insurance Partners serving Scottsdale, AZ, we are bringing you the best most up-to-date insurance information to help you make the best insurance choices. Keep reading to find out when you should shop around for new auto insurance. 

Getting Married

If you are getting married then this is a great time to shop for new auto insurance. Combining policies for you and your new spouse is an important way to simplify your monthly expenses and to save money as well. Many companies offer special discounts for married couples. 

Buying A Home

Homeowners often qualify for special auto insurance discounts or bundling opportunities. If you are purchasing your first home, consider shopping for new auto insurance too. 

Adding A Driver

When you add a new driver to your policy, it is a good time to shop around to see if other companies are offering better rates. 

Getting Older

As we age, auto insurance rates will change. Many people find that shopping around for a new policy at least once a year helps them always stay on top of the best deals available. 

If you would like to learn more about our insurance products and services, please contact us at Alliance Insurance Partners serving  Scottsdale, AZ today. We will be happy to answer your insurance questions and help you find the right policy for you. 

Why should I get disability insurance?

The Scottsdale, AZ area is a fast-growing part of the country due to the nice weather and access to a wide range of local amenities. Those that are in this area need to spend time thinking about all of their different personal insurance needs. One type of insurance coverage that you may need in this area of Arizona is disability insurance. There are a few different reasons why you should make sure that you have disability insurance coverage at all times. 

Coverage if Injured

Being injured or becoming ill and not being able to work can put a lot of financial strain on someone. Fortunately, you can mitigate this risk if you get disability insurance. When you get this coverage, it will give you financial protection if you cannot work and are disabled. This can be used to replace your income and pay for medical, therapy, and other expenses that could be incurred as a result of your disability.

Peace of Mind

You should also get this coverage as it will offer you peace of mind. The risk of being hurt and not being able to work due to a disability is something that all people need to consider. When you get the coverage that is needed to offset this risk, it can provide you with peace of mind. 

People that are shopping for disability coverage in the Scottsdale, AZ area should call the professionals with Alliance Insurance Partners. There are a lot of reasons to speak with Alliance Insurance Partners including their experience in helping people build and choose a proper insurance plan. The team here can help to explain what your options are when it comes to disability coverage and help you choose a plan that is appropriate and meets your needs. 

Best Motorcycle Insurance For You

Whether you own a Harley Davidson, dirt bike, touring bike, or just a street cycle, you can obtain motorcycle insurance coverage for your treasured machine to give you confidence as your ride in the busy streets of Scottsdale, AZ. As a local agency, Alliance Insurance Partners ensures that you as a motorcycle owner can get a policy that fits your needs. You don’t have to worry about the hefty bills or damage costs if you get involved in an accident. Common coverages you can secure for your motorcycle include Custom parts and Equipment, Uninsured/Underinsured Motorist coverage, Medical coverage, roadside assistance coverage among others.

Common Coverage Options For Your Motorcycle

  • Medical coverage: Medical coverage ensures that the cost incurred in case of an accident is covered for both you and your partner or any other person injured as a result of the accident.
  • Custom parts and equipment coverage: This is an authorized policy that ensures your motorcycle can be insured even if it has permanently fixed custom parts or equipment or any changes done other than those initially installed by the manufacturer for the purpose of the motorcycle’s physical appearance or performance.
  • Road assistance coverage: For any possible breakdown while away from a mechanic or the garage, this policy will provide you with roadside assistance.
  • Uninsured/Underinsured Motorist Coverage:  This policy covers all insured and uninsured persons who incur death, injury, or pain and suffering as a result of a motorcycle accident.
  • Liability coverage: This insurance covers individuals that sustain an injury or suffer due to an accident caused by your motorcycle. Under this, coverage included bodily injuries and property damage. 

At Alliance Insurance Partners in Scottsdale, AZ, we care about your life and the life of your motorcycle. Our insurance experts are always ready to receive your questions and assist you to choose the type of coverage that fits your needs. If you want the best insurance provider in town, visit our online portal or our agent locations in Scottsdale AZ to discuss your insurance needs today.

Why should I get umbrella insurance?

Liability risk is something that all people face on a daily basis. Since the risk of being sued for liability is a real one, it is important that you get the right insurance in place to protect yourself. When you are looking for some personal liability insurance and are in the Scottsdale, AZ area, you should consider umbrella insurance. There are several reasons that you should get an umbrella insurance policy. 

Coverage for a Diverse Set of Risks

One of the reasons that you should get umbrella insurance is that you will receive coverage for a more diverse set of risks. While you can get coverage for liability for auto or home accidents, there are many different risks that are harder to protect against. When you get umbrella insurance, you will receive coverage against a much wider set of risks. 

Additional Protection

Another reason that you should get an umbrella insurance policy is that it can give you additional protection. When you have a home or auto policy, you will receive some level of liability coverage that will give protection if you are at fault for a covered accident. However, there are still situations when the damages could exceed your policy limit. When this happens, having an umbrella insurance policy will be beneficial as it will give you the coverage that you need on top of the other policies.

When you need an umbrella insurance policy in the Scottsdale, AZ area, you should call the team at Alliance Insurance Partners. If you do call the team at the Alliance Insurance Partners you can learn more about the benefits of this type of coverage. They will also be able to assess your personal needs and situation to determine what level of umbrella coverage is right for you.