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.

How Much Auto Insurance Coverage Should You Have in Scottsdale?

When it comes to auto insurance coverage in Scottsdale, AZ, not everyone needs the same degree of protection. It all depends on where you drive, how you drive, and what kind of vehicle you drive. Alliance Insurance Partners is here to help you consider your particular situation and to give you some tips about how to decide. 

Consider Your Daily Life 

Insurance policies may be complicated, but the underlying theories behind them are fairly simple. Do you live in an area where your car is more likely to be stolen? How many years of driving experience do you have? What are the odds of running into someone without insurance? How will you pay for repairs if your insurance can’t help?

If you feel like your car is relatively safe, you can potentially opt-out of certain types of coverage (e.g., theft, underinsured/uninsured driver protection, etc.). If you know you can quickly replace your car without much fanfare or hassle, you can consider liability only. (This coverage will only cover someone else if you’re in an accident as opposed to you and your car.)

Talk with Someone Who Knows 

If you live in Scottsdale, AZ, there may be certain things that you haven’t yet thought about when it comes to your vehicle. In certain cases, you might not have a choice. For example, if you finance, you may be required to get a certain amount of coverage. Of course, this shouldn’t prevent you from looking into additional measures if you really want to set yourself up for success. If you want to breathe easy on the road knowing you have everything you need, call Alliance Insurance Partners today to learn more about how we can help. 

Benefits of Long Term Care Insurance

Not many people think about long-term care insurance and if they did it would be much easier for themselves and on their families, eventually, everyone becomes elderly and is no longer able to care for themselves. The agents at Alliance Insurance Partners in Scottsdale, AZ have helped enough people to be able to attest to the fact everyone should have long-term care insurance.

The basic idea of long-term care insurance is to have the financial means to pay for long-term care at home or in a facility. There is a pre-selected amount of money that can be used per day, so if care is provided in the home the family can decide what hours a provider will come in and care for their loved one. If they are in a facility it is different, and the resident is charged the amount, and then they may have to pay out of pocket for the remainder if there is any.

What Long-Term Insurance Covers

Home care, nursing home care, respite care, hospice care, Alzheimer’s care, physical therapy, occupational therapy, adult daycare for people who only need someone to care for them during the day because they live with family who takes care of them the rest of the time.

You must be evaluated by a health care professional before you can begin to use your long-term care benefits. You must meet certain criteria before the ‘trigger’ sets in which means you have to wait 30 days before you begin receiving the benefits of the insurance. It’s very important to make sure you have the correct things in your policy so when the time comes you have everything you need.

If you think long-term insurance coverage would be ideal for yourself or your parents then call Alliance Insurance Partners in Scottsdale, AZ to set up an appointment.

How can someone benefit from getting disability insurance?

Having the right personal insurance coverage is very important for anyone that is in the Scottsdale, AZ area. One form of insurance that can help to protect anyone is disability insurance. Having disability insurance can benefit and protect someone in a number of different ways. 

Replaces Income When you Can’t Work

One of the advantages and benefits that come with disability insurance is that it can provide you with income. A large concern that anyone can have when they have a disability is if they are suddenly no longer able to work. If this occurs, your entire income stream could be lost. Due to this risk, getting disability insurance is a great addition to any personal insurance plan. When you do have this insurance, it will provide you with coverage that will replace your income lost due to disability. 

Increases in Benefit

Another advantage of disability insurance is that the benefit will increase with time. While you may receive a certain level of income today, the annual expenses that you have are bound to increase with time. Due to this, you need to have an income that also increases to offset the rise in expenses. Fortunately, your disability insurance policy can provide you with annual raises in benefit based on current inflation rates. 

There are clearly many situations when having disability insurance could be advantageous. For those that are in the Scottsdale, AZ area, choosing a good policy is an important decision. The team at Alliance Insurance Partners can help you to determine your insurance needs and get you into a policy that gives you the right type and level of coverage. Alliance Insurance Partners can help to ensure that you get into a great policy, which will give you peace of mind. 

Assess Your Auto Insurance Needs with Help from an Agent

Are you planning to get automobile insurance for the first time? Whether you’re new to this realm or want to switch over from another provider, it’s a good idea to talk over your unique needs with a qualified auto insurance agent. An agent from Alliance Insurance Partners of the Scottsdale, AZ area will be able to break down the terms and help you understand what’s involved. 

Review Your Auto Insurance Each Year

It’s in your best interest to look over your auto insurance on a yearly basis. This is especially the case if you’ve had recent life changes that might affect your policy. You’ll rest easier knowing that your coverage reflects your needs and situation. 

Factors Affecting Your Insurance Rates

The amount that you’ll pay for your insurance is based on different factors. Some of these are out of your control, like your age and where you live. However, you have control over your limits, deductibles, and coverages. For instance, you likely can reduce your premium if you increase your deductibles. Get the details from your agent to reduce your stress levels. 

Discounts May Apply 

Talk to an agent about any discounts that would be available to you. You may be eligible if you’ve bought a house recently and want to bundle your auto and homeowners insurance policies. If you have certain safety features, it can make you eligible. Some others include getting good grades and practicing safe driving. 

Regardless of your situation, you would do well to contact a trustworthy insurance agent at Alliance Insurance Partners. Serving the greater Scottsdale, AZ area, we’re equipped to make it easier to understand all the in’s and out’s. 



What Are the Benefits of Having Long Term Care Insurance?

The agents of Alliance Insurance Partners offer a variety of insurance policies that involve health and medical care. Long term care insurance is beneficial for many reasons. Having it included in your insurance portfolio offers you financial security in the event that you are in need of extensive long term care. Residents who live in Scottsdale, AZ can rely on their agents to get all of their health insurance questions answered.

Financial Safety Net

Medical costs can be catastrophic especially if they involve round the clock, long term care. With long term care insurance, your family’s finances will not be affected as much as if you had to pay for all of your medical expenses out of pocket. Long term care insurance provides you with a financial safety net that will protect your family from being overwhelmed.

Peace of Mind

With long term care insurance, you have the peace of mind you need knowing that you will be able to get the type of medical care you need during your recovery. Many families do not have the medical knowledge or time to provide constant, long term care after a loved one has experienced a health event that requires extensive medical care. This type of insurance guarantees you will be able to get the care you need for as long as you need it.

If you live in Scottsdale, AZ and are interested in obtaining long term care insurance, call the agents of Alliance Insurance Partners today. They have the answers you are looking for and can customize your policy to meet your needs. Contact them today and schedule an insurance review!

Disability Insurance: Your Key to Financial Independence

For those who are self-employed or own their own business, a day off means you can’t earn any income. When you can’t work for an extended amount of time, that could mean disaster in your personal and business finances. Disability insurance, also known as income protection insurance, is a vital part of your self-employment safety net. How can a disability insurance policy from Alliance Insurance Partners help you keep your Scottsdale, AZ business afloat when you’re sick, injured, or just can’t work?

What is Disability Insurance?

Disability insurance provides a portion of your income to you when you can’t work. Your contract specifies the conditions that trigger these payments. However, these are usually limited to events that directly impact your ability to perform your job duties. That could be an injury, long-term illness, or extensive medical treatments.

There are two main types of coverage; short and long term. Short term coverage typically supplies income for between 3 and 6 months after a qualifying event. Long term coverage picks up after 6 months. How long you receive payments depends on the details of your contract.

The funds provided by this coverage can be used for everyday living expenses. That means that you won’t have to worry about how to pay the mortgage and provide for your family while you’re trying to heal.

Secure Your Financial Independence with Disability Insurance

The social safety net continues to thin. If you aren’t able to earn your own money, it’s unlikely that you’ll find sufficient support from the government or community. Your personal savings can be eaten away quickly by medical bills and regular living expenses. Once those are exhausted, you may become a burden on family and friends who may be struggling to keep up with their own economic demands.

A disability insurance policy from Alliance Insurance Partners helps you maintain your financial independence, regardless of what life throws your way. Call their agents to find out how this coverage can benefit your Scottsdale, AZ business.

Storing Your Motorcycle for Winter? How to Reduce Insurance Costs

Living in a state with four seasons can make it difficult to enjoy motorcycle riding year-round. If you’re planning to store your bike for the winter, adjusting your coverage could help you save money on insurance costs. Here are a few ideas from Alliance Insurance Partners in Scottsdale, AZ on how you can lower your motorcycle insurance premium during the off-season.

 “Lay-Up" or Motorcycle Storage Insurance

Rather than going through the trouble of canceling your motorcycle insurance and renewing it again in the spring, you can obtain lay-up or motorcycle storage insurance for the winter months. This insurance offers comprehensive coverage to protect your bike against risks like theft, fire, storm damage, etc. while it’s in storage. 

As there’s no risk of collision in storage, you can drop collision coverage during winter months. If there’s the off chance you may ride your bike a few times during winter due to warm weather, you can retain minimum liability coverage, as required by Arizona law. Eliminating collision coverage and reducing liability can still save you money on insurance costs.

Increase Deductible

Another option for lowering insurance costs during winter is to increase the deductible on your lay-up policy. The higher your deductible, the less you pay in premium costs. Before raising your deductible, you should make sure you have the funds to cover the cost of damage in the event of a fire or other disaster. By storing your bike in a safe, secure location during winter, you reduce the risk of theft or damage, making this option a practical one for lowering insurance costs. 

To learn more about off-season motorcycle insurance coverage and the protection it provides, talk to an agent from Alliance Insurance Partners in Scottsdale, AZ. We’re here to meet all your motorcycle insurance needs.

How Umbrella Insurance Works to Protect You and Your Family

Home insurance policies are there to protect you and your family financially.  When there is a disaster that affects a home or vehicle, the insurance helps with a quick recovery.  Unfortunately, accidents happen every day.  If you are found to be at fault for the car wreck or someone falls on your property due to your negligence, you’re responsible for their medical and legal expenses.  Insurance does its job to cover you but the policy will have caps as to what they will pay.  You are then responsible for any additional expenses that aren’t covered.  Umbrella insurance comes in effect during these situations. They cover the additional costs when your home or auto policy reaches its coverage limits.  The team at Alliance Insurance Partners works with residents in the Scottsdale, AZ area to ensure that they are adequately protected. 

Umbrella insurance policies are there when you most need financial and asset protection.  For instance, if someone does have an accident on your property due to your negligence, you’re responsible for their medical expenses.  If they decide to sue you, you may be responsible for their legal fees, as well.  If the costs are $500,000 but your homeowner’s policy only provides up to $250,000, the balance comes out of your pocket.  With an umbrella policy, though, the moment the homeowner’s policy maxes out, it goes into effect.  In some cases, it can provide up to an additional $1 million over the homeowner’s policy.  They also go into effect in cases involving libel/slander and invasion of privacy. 

In the Scottsdale, AZ area, visit with the insurance pros at Alliance Insurance Partners. They will help you understand your coverage options and whether an umbrella policy is a good fit for you.  Don’t wait to get the coverage you need.  Visit today!

5 Things to Know About Flood Insurance

Anywhere it can rain, it can flood. By being aware of that, you can make sure you’re protecting your Scottsdale, AZ area home the right way. But when it comes to that protection, you’ll want dedicated agents on your side. At Alliance Insurance Partners, you can work with trusted agents to get the type and level of flood insurance coverage you need. Then you can have peace of mind, and you’ll know your home is covered. Even if you aren’t in a flood plain, or an area where it rains a lot, there are still plenty of times that a flood could happen — especially a flash flood. Here’s what you need to know.

1. Flood insurance isn’t only for wet or rainy climates.

2. Even houses that aren’t in flood plains may need protection.

3. Flood insurance isn’t part of your standard homeowner’s policy.

4. You may need to ask for flood insurance or coverage.

5. Insuring your home against a flood can provide security and protection.

When you’re not sure whether you should have flood insurance for your Scottsdale, AZ area home, come in and talk to us at Alliance Insurance Partners. We’ll be happy to answer your questions and give you information about proper flood insurance. That way you can decide whether you need a policy, just want one, or would be safe not having this coverage at all. Unless you’re in a flood zone and have a mortgage on your home, flood insurance isn’t required. But that doesn’t mean you shouldn’t have it, or that you don’t have any flood risk at all. Even in a dry climate like Arizona, it can still rain hard enough to cause flash flooding and related issues. If that happens in your neighborhood, we can help you be prepared and protected.