Homeowners Insurance

Coverage Without Complication...In One Easy Step

Bankers Alliance Insurance Group, Inc. (B.A.I.G.) makes it easy for you to get the coverage you need in today’s changing insurance market.  

Our clients know that the right coverage, fast, reliable service and experienced agents make the difference between peace of mind and potential for hardship. 

If you are presently in need of insurance for your home or condominium, you know that recent disasters and changes in the industry have created a great deal of chaos and confusion for many.

We are committed to answering all your questions in the most direct and accurate way possible.  Let’s start with some of the ones we hear most often.

WHAT IS THE "ONE STEP?"

We at B.A.I.G. have streamlined our processing so that all you need to do is contact us, let our staff take your property information and help you determine the coverage required to meet your specific needs…then choose when and how you would like us to bind your policy. 

Whether you prefer to come in and see us or have your paperwork ready at the closing table, we’ll make sure the process is done with your convenience in mind.

WHAT INFORMATION DO I NEED TO HAVE READY?

The majority of the information we need to provide coverage can be found in the property records of the county where your home is located.  All we need is the property address and owner’s name to access the appropriate record. Your personal and contact information is generally the only other data we will require. If you are purchasing a home, most or all of the information we need can be relayed to us from your lender, real estate professional or title company.

HOW HAS COVERAGE AGAINST DISASTERS BEEN AFFECTED RECENTLY?

As we have all heard from the media, many insurance companies are reeling from the claims they have had to pay as a result of the recent series of natural disasters. The reality is that the majority of those companies that were hit hardest are no longer providing this kind of coverage. That is why Bankers Alliance is constantly at work to make sure that our clients have access to competitively priced homeowners insurance in their area, regardless of the catastrophic events of the past few years.

DO I NEED FLOOD INSURANCE?
If your new home is located in an area that has been determined by the federal government to be a Flood Zone “A”, and the property is financed by a mortgage, your lender will require that you carry flood insurance in addition to your homeowners coverage. 

Even if the property is in a Flood Zone B, C or X (or outside a federally designated flood area), flood coverage should be carefully considered. 

Keep in mind that much of the recent storm damage to homes OUTSIDE of recognized Flood Zones was caused by rising water, which is NOT COVERED by standard homeowners policies.

We have access to the latest information regarding how insurers are covering losses due to water damage, and will give you the straight answers you need to make the right decision.

WHAT ELSE SHOULD I KNOW?
You should rest easy knowing that our experience, combined with the quality coverage and service we provide, will take the uncertainty and stress out of the process of insuring your home. 

Trust Bankers Alliance Insurance Group, Inc....
your one-step solution for Homeowners Coverage.