Auto Insurance
Auto insurance comes in two basic forms: Comprehensive Coverage and Liability Coverage. Comprehensive coverage generally covers any damage to your vehicle regardless of who’s at fault.
Liability coverage on the other hand generally only covers damage done to others and property when you are at fault.
At Alliance we cover more than just automobiles. We can also cover your boat, RV, ATV, motorcycle, and more.
Home Insurance
Homeowner policies will differ on where you live, the valuables in the home and which coverages you choose. A comprehensive plan will cover you financially if you have a loss due to fire, theft or other events, in addition to the event if someone is injured on your property.
If you do not own your home, but rent, then renter’s insurance may be the coverage you need to protect your personal assets.
Life Insurance
All life insurance policies are designed to pay a benefit when someone dies. The two most common types of life insurance are Term and Whole (or Permanent) policies.
Term Insurance is usually the most affordable type of coverage. The term of the policy usually lasts between 1 and 30 years and pays only if a death occurs during the policy term. Most term policies have no other benefit provisions. Term policies can be level term which means the death benefit will remain the same throughout the duration of the policy, or they can be decreasing term which mean the death benefit drops over the course of the policy's term. When the policy term ends, you may or may not qualify for new coverage based on your health, and based on your age, the cost of the premium may be too high to be affordable.
The advantage of Whole or Permanent Insurance is the death benefit and premium will usually remain the same during the duration of the policy. These policies can also build cash value which may be withdrawn or loaned similar to a savings account.
Business Insurance
If your business is your sole or main source of income, then it needs protecting. We take the time to find out the different challenges your industry may have for insurance concerns and tailor a package that fits your risks. We also look at other exposures your business may have according to your personnel, location and future plans.
