Many homeowners in and near Scottsdale, AZ, have large properties where they keep a handful of ranch animals, such as horses, goats, and other small livestock. While your property may not be a full-fledged ranch, owning these animals can increase your liability risks when people visit your property. Alliance Insurance Partners can help you explore policies to cover these liabilities.

Owning Ranch Animals Carries Extra Risk

Even if you only have a few acres and not a full-scale ranch, having ranch animals on your property requires additional liability coverage. Most homeowner’s insurance policies do not fully cover liability for incidents caused by your animals. Risks include animals escaping their enclosures and causing damage to someone else’s property or accidents involving loose animals. Injuries caused by farm animals can also occur on your property, leading to potential legal and financial consequences.

Liability Coverage Options

As a livestock owner, you have several options for managing liability, depending on the type and number of animals you own. If you have only a few animals, an umbrella policy may be a good choice. Umbrella policies provide protection against injuries and lawsuits resulting from incidents involving your animals. For those with a larger number of animals, livestock insurance is another option. This type of insurance covers losses due to accidents, natural disasters, theft, or certain illnesses. If you own horses, equine insurance offers similar protection, and some companies allow you to add liability coverage to these policies.

Discussing your specific needs is essential to finding the right coverage, as each situation is unique. Alliance Insurance Partners, serving Scottsdale, AZ, is here to assist you. Contact our office today to schedule a consultation and determine the best coverage for your needs.

The Basics of Condo Coverage

Condo coverage is designed to protect the interior of your unit and the items inside of it. It doesn’t cover the exterior of the building, such as the roof or outside walls. Those are under a separate policy carried out by the owner of the actual building or the condo association. However, condo insurance does cover more than a renters policy, which only protects your personal belongings.

Homeowners’ Coverage Is Different

The biggest difference between condo coverage and a homeowners policy is that homeowners coverage protects the entire dwelling, including the outside of the structure. In this way, it’s more comprehensive than a condo policy, but only because it must be based on the building it protects. You want to make sure you have the right kind of policy for your space, or you could be at risk of not being properly covered in the event of a claim.

Choose the Right Policy Today

If you’re in the Scottsdale, AZ, area and looking for condo insurance, contact us today at Alliance Insurance Partners. We can help you update your current policy or choose a new one so you know you have the coverage you need and deserve. There’s no reason to settle for less when you have us on your side.