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Alabama Homeowners Insurance

Whether you’re living the city life in Montgomery or Birmingham, the beach life in Gulf Shores or you’re somewhere else in Sweet Home Alabama like Huntsville or Baldwin County, owning a home in The Heart of Dixie is a great accomplishment. But it also means you need to protect your accomplishment with an Alabama homeowners insurance policy.

Homeowners insurance in Alabama helps ease your peace of mind, protecting your house, belongings, family and financials if you’re hit by one of the state’s many covered perils, such as a Gulf Coast hurricane, mid-state tornado or one of Bama’s ruthless hail and rainstorms.

To provide you with the best homeowners insurance in Alabama, we’ve partnered with many of the top-rated homeowners insurance companies in Alabama to bring you the coverage you need at the cheaper, more affordable prices you’re willing to pay.

From getting a quote and what’s covered in an Alabama home insurance policy to understanding the average cost of homeowners insurance in Alabama, here’s everything you need to know about securing the perfect policy in the great southern state.
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What’s Covered With an Alabama Homeowners Insurance Policy?

Coverage A – Dwelling

 
☘ This covers the actual structure of your home and the components that make it, such as the roof, siding, windows, countertops and flooring. Since it protects the actual home itself, the amount of Coverage A on your policy should be the equivalent, or slightly more, than your home’s value.

Coverage B – Other Structures

☘ Everything from a white picket fence to a shed — and even a treehouse — are considered other structures. The structures must be on the homeowner’s property, though, and is typically up to 10 percent of the policy’s dwelling limit.

Coverage C – Personal Belongings

☘ Coverage C is designed to protect the policyholder’s personal belongings that are kept within the home. For homeowners, this coverage can extend to items kept on the property, such as a lawnmower.

Coverage D – Loss of Use

 
☘ Arguably the most underrated part of every homeowners insurance policy, loss of use helps to pay for things like equivalent housing and extra everyday expenses if the policyholder’s home is unable to live in after being damaged or destroyed.

Coverage E – Personal Liability

☘ Protection against accidents that occur on the policyholder’s property, personal liability can provide money for medical bills and legal expenses for incidents when the policyholder is found liable. Coverage extends to incidents like dog bites, major injuries and accidental death.

Coverage F – Medical Payments

☘ Similar to personal liability, medical payments to others (also called MedPay) covers minor injuries that occur on the policyholder’s property — whether or not they’re found liable for the incident. Policies usually have between $1,000 and $5,000 worth of MedPay coverage.
What are the common covered perils

Which Perils Are Most Commonly Covered by Homeowners Insurance in Alabama?

In terms of susceptibility to Mother Nature’s wrath, Alabama’s climate makes it a unique place to be. Alabama homeowners insurance covers your home and personal belongings from perils like hurricanes, tornadoes, hailstorms, rainstorms and house fires during the dry season.

☘ Vandalism
☘ Theft
☘ Damage caused by vehicles
☘ Damage caused by aircraft
☘ Rioting or civil disturbances
☘ Smoke damage
☘ Fire or lightning
☘ Windstorm or hail, such as a hurricane or tornado
☘ Explosions

☘ Volcanic eruptions
☘ Frozen pipes
☘ Falling objects
☘ Damage caused by heating, air conditioning or plumbing
☘ Damage due to snow, ice or sleet
☘ Damage from water heater, including cracks, burns or tears
☘ Damage from electrical currents, such as downed powerlines

How Much Is Homeowners Insurance in Alabama?

Year after year, the average cost of homeowners insurance in Alabama tends to be one of the highest in the nation because the state is susceptible to so many perils, both natural and uncontrollable. It’s a decent chunk above the national average, but you can bring that cost down by getting a quote with Clovered and picking from multiple quotes, carriers and prices!

  • Average Cost of Homeowners Insurance in Alabama: $1,800 per year

How to Get the Best and Most Affordable Homeowners Insurance in Alabama

At Clovered, we’ve cut out the hours-long labor of going from site to site to find the best price. We built a free quoting tool that allows you to get multiple quotes from multiple carriers on a single page so you can get the policy you need at the price you want.

As one of the best Alabama homeowners insurance companies, we’re dedicated to getting you the best prices and providing best-in-class customer service.

You no longer have to jump from site to site to get a home insurance quote you can actually afford. Nope, with Clovered’s intuitive online quoting tool, shopping around is a way of the past. Simply put in your address, fill out some information about your home and instantly get multiple quotes from multiple carriers!
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