Alied Insurance

Property Insurance - Allied Insurance

Details
Category: Allied Insurance
Published on Wednesday, 14 July 2010 13:02

allied-insurance-home-propertyAt Allied Insurance, we know you’ve worked hard to make your house a home. In fact, your home probably represents your biggest financial and emotional investment. To protect that, you need dependable insurance protection at the best value. Allied’s homeowners insurance is the answer. We offer flexible, affordable coverage options to meet your needs. In addition, you may qualify for a range of cost-saving discounts and credits. When it comes to paying your premium, we provide a number of flexible payment options. Protect your home, all that's in it, and what it means to you and the ones you love with property insurance from Allied Insurance.

 

Coverage you can count on
Property - With Allied homeowners insurance, your home and property are protected against:

  • Fire and lightning
  • Windstorm and hail
  • Explosion
  • Riot and civil commotion
  • Vehicle damage
  • Falling aircraft
  • Smoke damage
  • Vandalism and malicious mischief
  • Glass breakage
  • Theft
  • Falling objects
  • Weight of ice, snow, sleet
  • Sudden and accidental tearing apart of heating or cooling systems or appliances
  • Water damage from rupture or overflow of a household appliance, plumbing, heating or cooling system
  • Freezing (water pipes, etc.)
  • Damage from electrical currents (except to tubes, transistors or similar components)
  • Volcanic eruption

Liability protection - If someone makes a claim of injury or property damage against you or your family, everything you own could be in jeopardy. Your Allied homeowners policy protects you in these situations:

  • Claims for injury to others on or off the premises
  • Claims for property damage
  • Liability defense costs
  • Medical expenses for injuries to others

Other available coverages - You can choose from these optional coverages and extend your protection.

  • Identity theft protection
  • Replacement cost coverage for your home
  • Earthquake coverage
  • Additional protection for high-value items such as jewelry, silverware, sporting goods, antiques, collectibles, etc.
  • Renters coverage for your personal property and personal liability.
  • Condominium protection for your personal property, additions and alterations, and personal liability.

 

Get more for your insurance dollar

Take advantage of these additional features with Allied homeowners insurance:

Important extras are yours automatically, at no extra cost.

  • Additional living expense when an insured loss makes your home uninhabitable.
  • Debris removal after an insured loss.
  • Reasonable repair costs for necessary repairs to protect your property from further damage after an insured loss.
  • Coverage for trees, shrubs, plants, or lawn destroyed from an insured loss.
  • Fire department service charge to save or protect your property after an insured loss.
  • Coverage for forgery and counterfeit money and for unauthorized use of credit cards and fund transfer cards.

Increased coverage limits Need extra protection for special needs beyond the coverage in your Allied homeowner's policy? You can increase your policy's standard coverage limits for the following:

  • Credit card and depositor's forgery
  • Fire department service charges
  • Personal property
  • Guns
  • Jewelry, watches, furs
  • Money and securities
  • Silverware
  • Fine arts

Save even more

  • Protective device credit for burglar, smoke, and fire alarms
  • Multi-policy discount for Allied homeowners policyholders whose autos are also insured by Allied
  • Deductible options offering you a premium savings when a higher deductible is selected
  • New home credit


Easy ways to pay your bill
With Allied's Flex Pay plans, you can choose the payment option and amount that is easiest for you. Pay the full premium up front, the minimum monthly amount due, or any amount in between.

Pay in full:
Pay the full amount due on your Allied billing statement.

Flex Chek:
Save money by taking advantage of this free service. Your monthly premium is automatically deducted from your designated financial account, so there's no check to write and no worrying about a missed payment. Sign up by visiting Allied's online customer center.

Pay by phone:
Make a phone payment by dialing 800-282-1446, option 2. Choose from:

  • EZ Chek: A one-time payment from your bank account
  • Payment by credit or debit card (Visa®  or MasterCard®)

Pay online:
Visit Allied's online customer center and choose from:

  • EZ Chek - A one-time payment from your bank account
  • Payment by credit or debit card (Visa®  or MasterCard®)

Pay by mail:
Send us a check using the courtesy reply envelope enclosed with your billing statement.

Pay your agent:
You can make a payment by visiting your Allied agent. They key your payment information into our system and your account is immediately credited.
A service charge may be applied to your account with some payment options.

 

Sometimes more really is better
With Allied Insurance, more policies mean more savings and more advantages. Just look at the benefits of choosing Allied for both your auto and home insurance.

  • A money-saving, multi-policy discount - You'll get a money-saving discount by insuring both your auto and home with Allied. And that's on top of other discounts and credits for qualified customers.
  • Full-year policy term for your auto - Many companies only offer six-month car insurance policies. When you choose Allied, your car and home policies are both a full 12-month policy term - so your rates are guaranteed for a full year.
  • 24-hour claim reporting - Accidents don't always happen during normal business hours. That's why Allied is always ready to help whenever you need to report a claim. You can reach our friendly, knowledgeable claims professionals any time of the day or night at 800-282-1446.
  • A proven company and On Your Side® service - We're proud of our reputation for quality and value in insurance protection. We've earned that reputation by serving hundreds of thousands of people throughout our more than 75-year history. Today, as a member of the Nationwide® family, we continue that tradition through our commitment to On Your Side service.

When you insure both your home and auto with Allied, you also qualify for the Allied Extra—bonus coverages that will help you save even more.

The Allied Extra includes:

  • A Single deductible - You pay just one deductible for any claim when both your auto and home are affected by the same event.
  • Bonus emergency lockout coverage - Who hasn't been locked out of either their auto or home? This coverage pays a locksmith when it happens.
  • Bonus airbag replacement - This pays for replacing an airbag that deploys accidentally.
  • Bonus accidental death benefit - $10,000 paid in the event of your death from an accident involving your auto.

 

There's only one you
Allied offers an identity theft endorsement on your homeowners, condo, or renters coverage to help you easily and affordably restore your identity if it is ever stolen. We’ll pay up to $25,000 with no deductible to cover expenses incurred to restore your identity, including:

  • Costs of executing affidavits
  • Costs of certified mail
  • Lost income (maximum $250 per day, total of $5,000)
  • Loan re-application fees
  • Attorney fees
  • Costs of long distance phone calls

Through a partnership with Worldwide Assistance, we also offer some of the best service available in the industry, including 24/7 assistance from experienced professionals who will:

  • Assist in identifying fraudulent accounts
  • Place a “fraud alert” on your credit reports
  • Report your ID theft to the Federal Trade Commission
  • Notify credit-reporting agencies
  • Contact creditors on your behalf
  • Assist in replacing driver’s license, passport, social security card and any other identification documents
  • Provide an emergency cash advance when needed, if theft occurs away from home

Free credit monitoring
For no additional fee, you may also sign up for our credit monitoring service from TransUnion. Don’t be an identity theft victim. Be a survivor.

 

Wildfires
Few people realize that when they move to the edges of wilderness, they move into the domain of wildfires. Even though you may live in a thoroughly contemporary suburb, if you can look away into open country, brush or deep woods, you're vulnerable during hot and dry seasons. According to the Institute for Business and Home Safety, one-third of U.S. homes are located in the Wildland Urban Interface, areas that combine housing developments with natural topography, trees and vegetation. In recent years, homes in these areas have become common casualties of hard-to-control wildfires.

You don't have to lose your home and possessions to nature's burning rage. It's never too early to prepare, and you can take several basic steps right now to protect your family and your home from disaster.

Your home, your castle
You can do a lot to protect your home from being destroyed by wildfire, both inside and out, and in many cases upgrades can be handled without hiring a contractor or engineer. Regardless, be sure that if you're planning significant structural renovations that they are in line with local building codes before you start. Most wildfire mitigation actions are affordable and can be accomplished over a weekend.

Think ahead when building or remodeling
A wildfire poses a threat to any structure in its path. To increase the chances of your home escaping with minimal damage, homeowners should retrofit an existing home or choose wildfire resistant features when building a new home. The list below provides some examples:

  • Select a location with multiple ways to enter and exit, both your home and your neighborhood, to make sure if one route is blocked, you still have a way out.
  • Homes with the highest risk of burning are those situated on the perimeter of housing developments adjacent to wildlands.
  • Houses situated fewer than 15 feet apart are at higher risk from wildfires.
  • Cover attic, eave and sub-floor vents with noncombustible screening with a mesh size no greater than 1/8 inch.
  • Avoid flammable materials such as wood shingles when building your roof because they can easily catch fire from wind-blown sparks. Select Class A noncombustible materials instead.
  • If you have a barrel tile roof, seal the open edges with grout to prevent windblown embers from entering your home.
  • Limit the size and number of windows that face large areas of vegetation. The heat from a wildfire can cause windows to break even before the home ignites.
  • Install tempered glass or multi-layered glazed panels in exterior windows, glass doors and skylights. Or install solid, exterior shutters.
  • Use fire-resistant siding materials.

Keep it lean, clean, and green
Flames aren’t the only concern in a wildfire. Burning embers destroy more homes in wildfires than direct contact with flames do. Windblown embers can travel a mile or more, making them a big threat to homes. You can reduce your home’s wildfire risk by:

  • Avoiding the use of combustible bark and wood-chip mulch.
  • Planting native, fire-resistive vegetation whenever possible.
  • Enclosing the underside of balconies and aboveground decks with fire-resistive or noncombustible materials.
  • Screening decks that are low to the ground with 1/8 inch mesh. Do not store flammable materials under the deck.
  • Keeping grass cut short, and the 30 foot area immediately around your home well watered.
  • Creating "defensible space" by removing all dry grass, brush, trees and dead leaves within at least 100 feet from your home.
  • Spacing trees and shrubs at least 10 feet apart. Reduce the number of trees in heavily wooded areas.
  • Pruning the lower branches within 6 feet of the ground to keep ground fires from spreading into treetops.
  • Removing all dead branches overhanging your roof and all branches within 15 feet of chimneys.
  • Storing firewood at least 30 feet downhill from any structure. Remove fuel sources within 30 feet of the home that will support a high-intensity spot fire – e.g. palm tree beards, wood trellises, sheds, play-sets, patio furniture, refuse/recycle containers, gazebos.
  • Locating butane and propane tanks at least 30 feet from any structure, maintaining at least 10 feet of clearance around the tank. Be sure the tank vent is positioned away from structures.
  • Keeping gutters and roof valleys clear of leaves, pine needles and vegetation.

Act quickly, but don’t panic
Wildfires can spread quickly, so speed and efficiency are keys to securing your home and your family.

If you have time when a wildfire is approaching:

  • Remove flammable materials like trash, furniture and vehicles from around your home
  • Shut off the gas
  • Be ready to soak roofs, shrubs and trees with water within 15 feet of buildings
  • Close all windows and doors, and remove window coverings such as curtains or blinds
  • Fill any pools, hot tubs, garbage cans or other large containers with water
  • Disconnect any automatic garage door openers so if the power goes out, you can still open the door

During a wildfire:

  • Follow news reports so you know how much danger you're facing.
  • Keep lights on for visibility in smoky conditions. Distribute flashlights.
  • If you must evacuate, follow routes dictated by local officials. Wildfires can quickly change directions and your planned escape route may be blocked.

If you're in a car:

  • Roll up the windows and close air vents.
  • Drive slowly with the headlights on.
  • If you have to stop, turn the engine off, but keep the headlights on. Get on the floor, and cover up with a blanket.
  • Don't run. By letting air in the car, the temperature will increase, and smoke and sparks may enter.

If you're caught in the open:

  • Go somewhere that is offers less fuel for the fire such as the backside of a mountain. Avoid canyons and saddles.
  • If you're close to a road, lie down in a ditch and cover yourself with anything that can protect you from the heat.

After a wildfire:

  • Don't return home until you're told it's safe to do so.
  • Check roofs and attics for hot spots or sparks and extinguish them immediately. Continue checking every few hours for a day.
  • Use caution when entering a building and avoid all standing water. It may have an electrical charge.
  • Check over all utilities and consult a professional if damage has been done.

 

Source: Allied Insurance