Whether you call the bustle of Birmingham your home or you’ve laid down roots in scenic Montgomery, one thing is certain. There’s no place quite like Alabama.
Shouldn’t your home insurance be unique, too?
Personalized, reliable coverage matters when protecting your home and family. That’s especially true in Alabama where homeowners face considerable hurricane and tornado risk.
Let’s take a look at how can you make sure you’re getting the best homeowners insurance in Alabama – without overpaying for it.
The Best Homeowners Insurance in Alabama Won’t Cut Corners
A typical home insurance policy will cover the things you care about:
Your house
Your belongings
Other structures (e.g., your garage, fence, etc.)
But a great home insurance policy will take those basics a step further and address:
Additional living costs when a covered claim forces you to temporarily relocate.
Personal liability (e.g., when you knock over your neighbor’s fancy new grill and have to pay for damages).
Medical expenses when visitors have a small injury on your property.
Replacement cost for your roof (regardless of its age).
Wind and hail damage, even if you live in an area prone to high winds.
The good news is that when you work with an insurance provider like Kin, you can customize your policy. That means you’ll have these protections in place, but they’ll be tailored realistically to reflect your budget and lifestyle.
It’s one way we make sure essential coverage isn’t extravagantly priced.
A custom policy = essential protection that fits your budget and lifestyle.
Our Homeowners Insurance at a Glance
Get to know the parts of your policy through real world examples.
Hurricanes. Alabama is no stranger to hurricanes, and even when they don’t make landfall, they tend to batter coastal areas and leave them submerged. During Hurricane Katrina, homes in Bayou La Batre and Mobile faced surges of 12 to 14 feet and 11.45 feet respectively. Southeast Alabama took the biggest hit when Michael swept through in 2018, leaving Dale County with 5.54 inches of rain.
Alabama’s average annual home insurance premium is almost $200 higher than the national average because of its hurricane and tornado exposures. However, what you pay depends on a lot of factors, including where you live. For example, coastal homeowners in Mobile and Daphne may pay a higher rate than those in Decatur.
Shopping around for insurance and comparing quotes is the best way to make sure you’re getting a good rate without sacrificing coverage.
That said, Alabama homeowners insurance typically costs $1,386 / year on average.
Alabama homeowners insurance typically costs $1,386 per year.
Alabama Homeowners Insurance Laws
As in most states, Alabama homeowners are not required by law to have home insurance. That said, if you have a mortgage, your lender usually requires you to have coverage at all times.
If you own your home, the choice to keep your home protected is up to you. But keep in mind that homeowners who continuously have coverage in place often get the most affordable rates.
Compare Your Policy
Already have homeowners insurance for your Alabama home? No problem. Get a quote from Kin and we’ll see if we can find you a better deal by looking at:
Whether it makes sense to decrease your deductible
