Insurance for your home, vacation house or condo.
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Know that your home is safe.
Your home is the center of your daily life, and likely your most valuable asset. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands that simple fact. Allegiance can help you find the homeowner’s insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service and fair pricing.
Explore more about Homeowner's Insurance by reading about the various kinds of coverage below.
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Home Insurance
What is home insurance?
Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.
What kinds are there?
Homeowners policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that cover losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses.
How much does it cost? That depends on...
What you select
Oftentimes homeowners insurance options are priced individually, so how much you'll pay for your policy depends on what coverages you buy.
How much you want to cover
Higher deductibles usually lower your premium price by shifting part of the loss payment to you. For example, if you had a $500 deductible, you would be responsible for paying the first $500 of the covered loss.
Where you set your limits
You may choose to set higher limits than the recommended amount if appropriate to your situation and needs.
Worried about your coverage? Expand it with umbrella insurance.
What if I rent out my home?
Landlords may have the option to buy optional liability coverage for the risks posed by tenant-occupied dwellings. Visit our Landlord Protection Insurance page for more information.
Every home is
unique.
Make an inventory of your home and personal belongings. If possible, make a list as well as take photos or video – using two inventory methods can help expedite the claim resolution process. Keep this list somewhere other than your home. Keep in mind that your policy doesn’t cover damages caused by poor or deferred maintenance on your part.
Talk with us or request a quote today to make sure that your home is protected no matter what comes.
