Automobile Insurance:

Most states require you to have liability coverage on your automobile. What some people don't know is that liability only covers the other person. In order to have coverage on your car and to have money for your medical bills, you have to include other coverages.

Every person that purchases auto insurance needs to know what each coverage includes:

  • Bodily Injury Liability - this is to cover the cost of injuries the policyholder causes to someone else.
  • Property Damage Liability - pays for damage the policyholder caused to someone else's car or property.
  • Collision - damage to the policyholder's car from a collision.
  • Comprehensive - damage to the policyholder's car that doesn't involve another car. Things that would be covered are fire, theft, and falling objects.
  • Uninsured Motorist - pays for the policy holder's injuries as a result of collision with an uninsured or underinsured driver
  • Other coverages you can add are rental car expenses and towing expenses.

No state requires you to carry any coverage except the minimum liability for your state, you can purchase liability coverages that go up to and include 500,000.

Just keep in mind that those coverages do not include protection for you or your property.

Motorcycle Insurance:

Motorcycle insurance and auto insurance have similar coverages:

  • Liability Coverage
  • Collision Coverage
  • Comprehensive Coverage
  • Medical Payments Coverage
  • Personal Injury Coverage (also called no-fault insurance)

Other optional coverages include:

  • Uninsured and Underinsured Motorists Coverage
  • Optional Equipment Coverage
  • Towing and Labor Coverage
  • Rental Reimbursement Coverage

Here at 1st alliance insurance we can not only quote your cars and motorcycles, but your recreational vehicles as well. For more information give us a call or go to request a quote and we will be glad to give you a call.

Homeowner Insurance:

Your homeowner 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 homeowner insurance rate. Geographic location plays a huge roll in determining premium. Areas that are prone to natural disasters 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 homeowner 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 landlord's 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 family's 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 homeowner 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!

For more information or a quote on Memphis homeowner insurance or Memphis auto insurance give us a call or go to request a quote and we will call you.