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Homeowners Overview

 

 

Alfa™ homeowners insurance protects you

 

Nothing can take away the memories. Birthday parties, do-it-yourself home improvement projects, that time of your life when the new puppy ate just about everything in sight and the moment little Susie took those precious first steps. Nothing can take that away.

 

Nobody knows what tomorrow will bring, so it’s time to protect your home now. Your home is the foundation for all your memories to come. With an Alfa homeowners policy, we can help by providing you coverage in case of physical damage, fire, theft and liability. We can also protect your home and outbuildings, as well as personal property, such as clothing and furniture.

 

Consider switching to Alfa Insurance®

 

Perhaps it’s been a few years since you looked at your current homeowner policy and how much you’re paying? It could be possible to save more money by changing to Alfa Insurance – especially if we also insure your auto, making you eligible for an additional discount. A quick phone call could save you money.

 

 

 

Homeowners Coverages

 

Homeowners coverage protects your home, its contents and other structures. It can cover many areas from fine china to your new television. It can even cover your pool and utility buildings.

 

Personal liability and medical payments

 

This coverage provides personal liability protection for acts which you may be legally liable for up to the limits of the policy, and provides for the cost of defending lawsuits brought against you for a covered loss.

 

This policy also provides medical payments up to the specified limits in the policy, other than insureds, who may be injured and you are legally liable.

 

Optional coverages

 

Coverage may be provided for items such as collectibles, home computers and fine jewelry. To help cover these items, Alfa offers optional coverages that can be added by endorsement.

 

     -Special valuables - allows you to specifically insure items, such as jewelry, guns, silver, fine artwork or other collectibles. Contact us for details.

     -Additional premises liability - protects you if renters or guests are injured and you are legally liable.

 

 

*This is not an insurance policy. It is intended only to provide a general description of Alfa Insurance® and/or its product lines and services. An actual policy contains the specific details of the coverages, conditions, and exclusions. Alfa Insurance is a federally registered trademark of Alfa Corporation.

 

 

 

What Discounts Are Available?

 

 

Several Alfa™ policies offer the opportunity to lower your premium through discounts:

 

     -Burglar alarms, smoke alarms, deadbolt locks and fire extinguishers all provide you with additional discounts to your premium.

     -Claims free discount* - Be rewarded for your claims free loyalty to Alfa. If your Alfa policy has been in force less than three years, you receive a discount; three to six years, you receive a bigger discount, and more than six years, you receive an even bigger discount.

     -Reduce your premium when your automobiles are also insured by Alfa*.

     -You may save even more through higher deductibles.

 

 

* Percentage may vary by state. This is not an insurance policy. It is intended only to provide a general description of Alfa Insurance® and/or its product lines and services. An actual policy contains the specific details of the coverages, conditions, and exclusions.