Life and health insurance can often be overwhelming. Advertisements for low-cost term life insurance abound, and most news about health insurance is bad news. Nevertheless, life and health insurance are important because, unlike cars and houses, your life and health are irreplaceable.

Life insurance covers the financial effects on the surviving family members when a loved one passes away. Most people think of death as something in the far future – something that can be planned for without any major financial impact.

However, the unexpected or early death of someone at a younger age can be disruptive to the family they leave behind. It is for this reason that some form of life insurance should be purchased to cover the threat of a tragic event.

Health insurance covers always increasing medical expenses. For those who must pay for their own health insurance, finding affordable and suitable coverage can be difficult.

How Can Alliance Insurance Agency Help?

We provide a number of excellent plans through a large number of respected health insurers and are happy to assist you in determining the level of coverage and price that is best suited for your needs.  If you have any questions or concerns about the appropriate level of health and life insurance coverage or would like any coverages explained, we are happy to assist you.

As a Trusted Choice Independent Insurance Agency, we are able to shop over 20 South Texas health and life insurance companies to find the policy that is right for you.

For complete details about your Life and Health insurance options, please contact us or come by one of our Alliance Insurance offices so we can gather all the information needed to find the best policy available for you.

Motorcycle insurance can also help you restore your assets if they are stolen or damaged and provide you with legal defense in the event of a lawsuit against you. All this adds up to greater peace of mind.

Moreover, it is the law that we all carry liability insurance to protect others against any of our acts of negligence.

How Alliance Insurance Can Help:

Determining the proper amount of motorcycle insurance to carry is your responsibility. If you have any questions concerning the appropriate level of motorcycle insurance to carry, we are happy to assist you. We offer several excellent plans through a number of reputable motorcycle insurers and will assist you in determining the level of motorcycle insurance coverage that best suits your needs.

As a Trusted Choice Independent Insurance Agency, we are able to shop  several South Texas motorcycle insurance companies to find the policy that is best for you.

Available Coverage:

Compulsory Liability Coverage:

• Minimum required by law
• Bodily Injury (BI) to Others – $30,000 per person / $60,000 per accident
• Damage to Someone Else’s Property (PD) – $25,000 per accident

Optional Coverages:

• Increased Limits of Liability – both BI and PD.
• Bodily Injury to you or your family caused by Uninsured Vehicle.
• Bodily Injury to you or your family caused by an Underinsured Vehicle
• Damage to your property caused by Uninsured Vehicle.
• Damage to your property caused by an Underinsured Vehicle.
• Personal Injury Protection – pays for your and your passenger’s medical expenses and for your loss of income up to it’s maximum limits.
• Medical Payments – pays for your or your passenger’s medical expenses.
• Collision – pays for damage to your motorcycle caused by an at-fault accident.
• Comprehensive -Pays for damage to your motorcycle caused by something other than an accident.
• Death Indemnity – pays policy limits for you or your passenger in the event of death caused by an accident.

Contact Us:
For a free, no-obligation quote, please contact us or come by one of our Alliance Insurance offices so we can gather all the information needed to find the best policy available for you.

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Auto insurance can also help you restore your assets if they are lost or damaged and provide you with legal defense in the event of a lawsuit against you. All this adds up to greater peace of mind for you and your family.

Moreover, it is the law that you carry liability insurance to protect others against any of your acts of negligence.

How Alliance Insurance Can Help

Determining the proper amount of auto insurance to carry is your responsibility. If you are experiencing any doubts or confusion concerning the appropriate level of automobile insurance coverage, we are happy to assist you. We offer excellent plans through a number of reputable auto insurers and will assist you in determining the level of car insurance coverage as well as the price that best suits your needs.

As a Trusted Choice Independent Insurance Agency, we are able to shop over 20 South Texas auto insurance companies to find the policy that is right for you. This gives us greater flexibility through as we can review and compare companies to better serve your individual needs.

Available Coverage

Compulsory Auto Liability Coverage

• Minimum required by law
• Bodily Injury (BI) to Others – $30,000 per person / $60,000 per accident
• Damage to Someone Else’s Property (PD) – $25,000 per accident

Optional Coverages

• Increased Limits of Liability – both BI and PD
• Bodily Injury to you or your family caused by Uninsured Auto
• Bodily Injury to you or your family caused by an Underinsured Auto
• Damage to your property caused by Uninsured Auto
• Damage to your property caused by an Underinsured Auto
• Personal Injury Protection – pays for your and your family’s medical expenses or loss of income.
• Medical Payments – pays for your or your family’s medical expenses
• Collision – pays for damage to your vehicle when the accident was your fault
• Comprehensive -Pays for damage to your vehicle not caused by an accident
• Rental (Substitute Transportation) – while your vehicle is being repaired
• Towing and Labor – for your vehicle if needed
• Death Indemnity – for you or your family in the event of death due to an accident

Contact Us

For complete details about your automobile insurance options, please contact us or come by one of our Alliance Insurance offices so we can gather all the information needed to find the best policy available for you.

Home insurance coverage protects you from a loss you most likely cannot afford. It ensures that your assets are protected from the perils of: fire and lightning; theft; vandalism; smoke damage; freezing; building collapse; accidental discharge, leakage or overflow of water or steam, and more.

For residents of coastal counties, South Texas flood insurance and South Texas windstorm insurance must be purchased separately.

Placing the proper amount of insurance on your home is your responsibility. It is important for you to have enough coverage on your home to allow you to completely rebuild your home at current building costs in the event your home is totally destroyed by a fire or windstorm, for example.

This means you should place a realistic dollar amount of coverage on your house and resist the temptation to underinsure your home. Should you underinsure your house you may be assigned a “Coinsurance Penalty” in the event of a major loss at just the time you need your insurance most.

Available Coverage

Determining the proper amount of coverage can be difficult but we have computer programs that can assist you in determining the true replacement cost of your dwelling and adjacent structures. There are a few factors that must be considered and evaluated before choosing your homeowners insurance coverage. You will want to discuss each of these with your agent at the time of purchasing homeowner’s insurance.

• Replacement Cost (RC) – what you would pay to rebuild your home based on present day construction costs. Replacement cost is different from “market value” or “appraised value”. RC does not include the value of your land, because your land can never be destroyed. In order to have RC on your dwelling, it must be insured for at least 80% of its true RC at the time the loss occurs.
• Actual Cash Value (ACV) – in the absence of Replacement Cost, you have an Actual Cash Value insurance policy. In the event of a loss the company will pay the depreciated value of your damaged property. The amount your loss is reduced between Replacement Cost and Actual Cash Value is called the “Coinsurance Penalty”. Again, in order to avoid a Coinsurance Penalty, it is important not to underinsure your home.
• Deductibles – help to reduce your premium cost, but also limit the amount you may recover in event of loss. The deductible is always applied to the first portion of any loss. You should carry as high a deductible as you can afford.
• Endorsements – policy add-ons that cover special items or increase your coverage. Common endorsements include coverage for residential glass, jewelry, fine arts, camera equipment, coin or stamp collections, computer/electronic equipment, an in-home office, and satellite dishes.

There are a number of discounts available on your homeowners insurance. Discounts vary by company but we want you to receive any and all discounts available to you.

For complete details about homeowner’s insurance coverages and options, please contact us or come by one of our Alliance Insurance offices so we can gather all the information needed to find the best policy available for you.

Your mobile home is where you live and where your possessions are. But more than just possessions and assets, it’s your home and you need to protect it.

Mobile home insurance provides peace of mind when:

• Bad things happen – insurance provides a safety net for you and your family when certain unfortunate events happen like a hurricane, fire, flood, theft, burglary and vandalism. You need liability and guest medical protection too. For example, if your neighbor slips and falls in your kitchen, you might need these coverages to help pay for their medical expenses.
• You need to replace, repair or rebuild – if your mobile home were partially destroyed by fire today, you would need the financial resources to replace or repair the damage at today’s building costs.
• Your lender often requires it – when you purchase your mobile home, you will probably need to provide proof of insurance with a policy “in hand” at your closing. If your lender provides you with an insurance policy, very often it is only a “single interest” policy, which means you are only protecting what is owed to the lender and you are not protecting your equity in your mobile home. In order to protect your equity, you should shop for mobile home insurance through an independent insurance agency.
• You have special items – protect more than your home; protect specialty items, such as decks, awnings, porches, storage buildings, jewelry, silverware, business property, cameras, cellular phones and more with extended coverage options.

How Alliance Insurance Can Help

If you have any questions or concerns about the right amount of insurance to place on mobile home, we are happy to assist you. We offer excellent plans through a large number of reputable mobile home insurers and will help you determine the level of coverage and price that is best suited to your individual situation.

As a Trusted Choice Independent Insurance Agency, we are able to shop over 20 South Texas homeowner insurance companies to find the policy and price that’s right for you. We have maximum flexibility through our large choice of companies to better serve your individual needs.

Important Considerations

Determining the proper amount of coverage can be difficult. There are a few factors that need to be considered and evaluated before choosing the right amount of mobile home insurance coverage. Your agent will discuss these with you at the time of insurance purchase.

• Read Your Policy Carefully – not all mobile home insurance policies provide the same protection and they may not cover some things you might expect them to cover. Coverages may vary on such things as replacement cost versus actual cash value, windstorm coverages, flood coverages, extra living expenses, and more. If your policy excludes flood or windstorm, you may want to acquire those protections with a separate windstorm insurance policy or flood insurance policy or both.
• Be Properly Insured – determining the proper amount of insurance to place on your property is your responsibility. It is important to know whether you have a Replacement Cost (RC) or an Actual Cash Value (ACV) policy.
• Replacement Cost – policy will pay to replace your property at current mobile home or content costs.
• Actual Cash Value – policy will deduct for depreciation after a loss.
• Coinsurance Penalty - Coinsurance penalizes you for under-insuring your property. In order to avoid a “Coinsurance Penalty” it is important that your property is insured for at least 80% of its RC or ACV (depending on your type of policy) at the time of a loss.

Alliance Insurance can assist you with your mobile home insurance. Mobile home insurance can be very confusing. Depending on where your home is located (distance from the coast, elevation, inside city limits, etc) different companies may better serve your insurance needs. Alliance Insurance Agency is very familiar with the Coastal South Texas area and knows their companies’ underwriting guidelines well. We can help you decide which company is right for you.

Contact Us

If you would like a mobile home insurance quote, please drop by one of our offices or contact us today and we will get in touch with you as soon as possible during normal business hours.