Home Insurance
If you live in Alabama, you are no stranger to its hot and humid summer and severe storms. Therefore, you understand how important it is to protect your home and your belongings. The best way to do it is to get home insurance. If you have never purchased this type of coverage before, choosing the right policy may be a complicated task. In order to help you make an informed decision, Alabama One Insurance has prepared the list of things you should know.
- A typical home insurance policy in the Yellowhammer State will have six main coverage types: dwelling (coverage A - for a damaged or destroyed house), personal property (Coverage C - for personal belongings that are stollen, destroyed, or damaged), other structures (coverage B - for destroyed or damaged structures that are not attached to the building, including fences, storage sheds, and garages), loss of use (coverage D - covers additional living expenses, including staying in a hotel if you have to move somewhere while your house is being repaired), personal liability (coverage E - pays if you are responsible for a someone else's injury occurred on your property), and medical payments to others (coverage F - payment for medical bills of people who were injured on your property).
- A standard home insurance policy in the Yellowhammer State covers the following: damages caused by fire, hail, wind, explosions, trees and other falling objects, damages from a car or any other vehicle, and theft or vandalism.
- However, in most cases, homeowner’s insurance will not cover damages from pets, birds, insects, and rodents, pollution damage, normal wear and tear, land movements such as landslides, earthquakes, and some others.
If you are a resident and a lucky owner of a home in the Yellowhammer State and you still have not purchased home insurance, it is time to do it. Having home insurance is a guarantee that your house and your belongings will be financially protected. If you have questions about this type of insurance, experienced insurance agents of Alabama One Insurance will be happy to assist you - just visit our website or give us a call.
