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.
A typical home insurance policy will cover the things you care about:
But a great home insurance policy will take those basics a step further and address:
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.
Get to know the parts of your policy through real world examples.
The dwelling coverage portion of a standard homeowners insurance policy pays to repair or rebuild your home’s physical structure, such as walls, floors, roof, windows, support beams, and foundation if your home is damaged by a covered event (fire, wind, theft, etc.).
Home insurance also covers other structures on your property: your detached garage, fence, shed, and more.
Personal property coverage protects your stuff—things like electronics, furniture, and clothing—anywhere in the world.
If a covered claim makes your home uninhabitable, your Kin policy can help pay for extra living expenses, such as lodging, food costs, and more.
Even careful people get sued! Personal liability coverage can help pay for your legal expenses if you're held responsible for another person's injury or property loss.
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.
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:
Learn about discounts, deductibles, and more.
Get a quote today.