Protect Your Home & Peace of Mind
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Get affordable home insurance in 3 simple steps
Whether you do it yourself online or speak with one of our friendly representatives over the phone, Kin makes it easy to find coverage.
Property info
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Tell us about your home.
Answer a few basic questions and we’ll generate your home insurance quote in minutes.
Personalize your policy.
Customize your coverages, limits, and deductibles to get the protection you need.
Get covered.
Review your quote and sign your application online. Any questions? Our licensed agents are here to help.
Discounts available in Alabama
The average cost of home insurance has increased to $1,748 per year in Alabama, but you can save money by protecting your home, avoiding damage, and selecting sustainable options.
Home security - for installing security and fire alarms.
Wind mitigation - the more wind-proof your home, the better.
Water detection - because no one wants a flooded home.
Claims-free - for keeping your home safe over the years.
Electronic policy - for reducing your carbon footprint by saving some paper.
Why you'll love Kin
You get more than coverage — you get a team that follows through.
Here to help
We reach out before, during, and after major weather events to make sure you’re okay — and to assist if you need to file a claim.
24/7 claims support
Easily file a claim over the phone with a member of our support team or online in your Customer Portal.
5-star care
Licensed Kin agents are easy to reach and ready to listen. Contact us via email, phone, or live chat.
We've got Alabama covered.
We help Alabamians find coverage across the entire Yellowhammer State!
We sell policies in every county in Alabama, including these major cities:
- Auburn
- Birmingham
- Dothan
- Hoover
- Huntsville
- Mobile
- Montgomery
- Tuscaloosa
Frequently asked questions about Alabama's home insurance
Is home insurance more expensive in Alabama than other states?
Alabama is within the top 10 most expensive states for homeowners insurance, according to the Consumer Federation of America. The most expensive state to insure a home is Florida.
What is a hurricane deductible in Alabama?
A hurricane deductible in Alabama is a separate deductible for home insurance policies in areas where damage from hurricanes is more common. Rather than pay the standard deductible (usually a flat dollar amount), Alabamians with a separate hurricane deductible must pay a percentage of their dwelling coverage (usually between 1% and 10%) before coverage kicks in.
Does Alabama have a FAIR Plan?
Alabama offers a state-run FAIR Plan as a last resort for homeowners who cannot get coverage elsewhere. Policies purchased through FAIR (Fair Access to Insurance Requirements) Plans typically offer less coverage and are more expensive, but when Alabamians can’t get coverage elsewhere, they can be an essential safety net.
How do I get a grant to strengthen my Alabama roof?
To get a grant to strengthen your Alabama roof, start by reviewing the requirements for assistance via the Strengthen Alabama Homes program. If you meet the requirements, create an online profile, upload all required documentation, get a FORTIFIED evaluation, and then get contractor bids. From there, you’ll be notified of your total grant amount (up to $10,000), which will be paid directly to the chosen contractor when work is completed.
Does my insurance cover termite damage in Alabama?
Home insurance does not typically cover termite damage, which is a pervasive issue in Alabama. Rather, termite damage is considered a maintenance problem — a common homeowners insurance exclusion. To avoid costly termite damage, follow the EPA’s guidance on identifying and controlling termites.
