Alabama Home Insurance
Purchasing homeowners insurance in Alabama doesn't need to be confusing or difficult thanks to the wealth of online insurance web sites that will offer you an immediate price quote from a variety of insurers. Carrying homeowner insurance is vital no matter where you live, and especially if you live in a part of the U.S. where extreme weather can affect your home.
Where you live in Alabama will affect the type of homeowner insurance you choose to purchase. As a homeowner you will be able to choose between three basic types of coverage. The first – and most basic – is called HO-1. Since this policy only covers the most basic number of causes of loss (just 11) it is not recommended and has actually been discontinued in many states. HO-2 coverage will protect you from everything HO-1 will, plus five more disasters or perils such as freezing of a plumbing system or weight damage caused by excessive snow or ice – both of which may be important to homeowners living in the Northern region of Alabama. The most popular coverage is the HO-3 policy, which takes all the coverage of HO-2 and adds liability coverage for accidents that happen in your home to guests. Still, none of these policies take will protect you from specific disasters that can in occur in Alabama, such as flooding and wind damage caused by severe storms.
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If you are buying a home in Alabama near the Gulf Coast, you will definitely want to look into purchasing additional flood coverage or high-wind damage coverage called 'beach and windstorm protection'. In addition, you can get insurance against flood and mudslide losses from the National Flood Insurance Program. Flood insurance is offered in communities that qualify by developing flood plain management programs to limit flood damage. To find out if flood insurance or beach and windstorm insurance are offered in your community, check with a local licensed agent or the Alabama Insurance Underwriting Association.
You can never underestimate the importance of being well-informed when purchasing your homeowners insurance – the more you know, the safer you can feel knowing one of the biggest investments you'll make is protected from life's unexpected emergencies.
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Home Insurance Basics is not an insurer and cannot issue home insurance policies. This site provides free information about home insurance policies and companies. The companies detailed have not endorsed or sponsored these pages. Products and services may not be available in all states.
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