HOME OWNER INSURANCE:

Your home owner policy is designed to protect your home and personal property against perils that are included in your policy.

There are so many things that can impact your home owner insurance rate. Geographic location plays a huge roll in determining premium. Areas that are prone to natural diasters such as earthquakes, hurricanes, and floods generally have higher rates. Credit influences the overall cost. Also, the distance your property is from the nearest fire hydrant and fire station can be a factor in determining your home owner premium.

Renters insurance:

Did you know that if you rent a home or apartment and it burned down that your personal property (clothes, jewelry, furniture etc.) would not be covered under your landlords insurance policy. Renters insurance also protects your belongings against other hazards as well, such as smoke, lightning, burglary or vandalism, explosion or electrical surge damage, windstorm or hail, falling objects, as well as other hazards included in your policy. This protection assures that you will receive reimbursement for the full cost to repair or replace your property up to the policy limits. It is only pennies on the dollar to protect your families valuables. The liability portion of the policy also covers your responsibility to other people that could be injured while in your home, up to the policy limits.

Mobile home insurance:

Most mobile home policies offer coverages that are similar to homeowners policies, but they also have coverages that are unique to mobile homes. Some of the coverages that are offered for mobile homes are:

  • Mobile Home Protection
  • Personal Property Protection
  • Theft Coverage
  • Family Liability and Guest Medical Protection
  • Loss of Use of Residence Premises
  • Emergency Removal Service

Let us customize your mobile home insurance.

The staff here at 1st Alliance Insurance wants you to know that we have many high rated companies to quote through. We are sure that we can find the best rate for your home owner needs. Here are just a few of those companies:

  • Safeco
  • Travelers
  • Farmers
  • Metlife
  • Foremost

For Olive Branch homeowner insurance, Southaven homeowner insurance or if you're in any of the surrounding areas, please give us a call for a free quote. You may also go to request a quote and we will be glad to call you.