Alabama Renters Insurance

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As a renter in Sweet Home Alabama, you can choose from many different options of Alabama renters insurance. But that may mean you need to jump from site to site searching for the best price. With Clovered’s intuitive online quoting tool, finding the best renters insurance in Alabama is easier than ever!

Whether you’re renting in Huntsville, Gulf Shores, Montgomery, Tuscaloosa or one of the other amazing towns in The Heart of Dixie, getting the best renters insurance in Alabama has never been easier. We partner with many of the state’s top companies to provide cheap renters insurance for nearly everyone in the state.

From how much is renters insurance in Alabama to what it covers and everything in between, this is what you need to know about your renters insurance in Alabama.

What’s Covered With an Alabama Renters Insurance Policy?

Coverage C: Personal Belongings

As a renter, you have personal belongings and you need them to be protected in the event of a hurricane, break-in or other peril. Renters tend to undervalue their belongings, so make sure you calculate the cost of your clothes, electronics and all other personal items you keep on the property.

Coverage D: Loss of Use

If the rental unit you live in gets damaged or destroyed and you’re forced to leave your home temporarily, loss of use coverage can help with the costs of finding a new home, storage unit to store your belongings, gas and food that you wouldn’t have otherwise spent and even boarding for your pets.

Coverage E: Personal Liability

Accidents happen. It’s a fact of life. Personal liability can protect your financial well-being if a guest of another person is injured on your property and you’re found liable. This coverage is typically $100,000 and goes toward covering medical bills and legal expenses for things like dog bites and major injuries.

Coverage F: Medical Payments

Medical payments to others covers the more minor injuries that occur on your property. Unlike liability coverage, the injury doesn’t have to have been your fault. MedPay, as it’s often called, usually provides $1,000 to $5,000 that can be used for things like X-rays, physical therapy and doctor visits relating to the injury.

How Much Is Renters Insurance in Alabama?

Alabama renters insurance is above the national average due to the number of perils the state faces, such as hurricanes and tornadoes, but it’s still the cheapest form of home insurance offered in the state. The average cost of renters insurance in Alabama is about $250 per year, which is nearly $50 above the national average.

That’s still incredibly cheap when you consider the average renters insurance policy in Alabama provides you with about $30,000 worth of coverage for all your personal belongings, another $100,000 in liability coverage, and may even add some loss of use coverage that kicks in if a covered peril unexpectedly forces you from your home.

  • Average Renters Insurance in Alabama Cost: $250 per year

Is Renters Insurance Required in Alabama?

By law, renters insurance is not required in Alabama. However, if you’re renting a house or apartment from a landlord who doesn’t own a slew of rental properties, they may be allowed to add a clause in the lease that requires you to maintain adequate coverage. Still, it’ll only set you back about $20 per month, so it’s well worth it!

How to Get Cheap Renters Insurance in Alabama

If you’re looking for cheap renters insurance in Alabama, you don’t have to settle for the average cost. Simply get a quote from Clovered and we’ll pair you with multiple policies that sufficiently cover you and your belongings. Simply choose the price you want to pay and your policy will go into effect immediately.

Protect Your Belongings With Renters Insurance

Averaging just $12 per month, renters insurance can protect your belongings for the cost of a few cups of coffee.

The editorial content on Clovered’s website is meant to be informational material and should not be considered legal advice.