Alabama Home Insurance – What You Need To Know About Home Insurance

We’ve all read these types of sad reports in the news at some point in our lives.  Calamities such as a robbery or a fire cause a total loss of the home, and the homeowner neglected to have any homeowners insurance.  Nobody wants to lose everything that they’ve worked so hard to achieve, not to mention losing irreplaceable items such as family heirlooms and pictures.  The best defense against becoming one of these sad stories in the future is to purchase home insurance coverage for your home.  For your home insurance needs, Highpoint Insurance Group in Dadeville, AL has options available for you.

Home Insurance

Home Insurance in Alabama has base-level coverage that is required if you have a mortgage affixed to the home.  These coverage limits can be raised to any amount that you feel would cover the worth of the home and the items located within.  Keep in mind that the higher the coverage limit, the higher the monthly premiums will be in relation to your policy.  The base-level policy will cover all items inside the home and just outside (anything affixed to the building) of it from damage, fire, and theft.  Alabama is known for tornadoes and storm damage, so it would be prudent to also purchase flood insurance as a rider or additional coverage along with your regular home insurance coverage.  The only event that wouldn’t be covered under any plan is an “act of god” such as earthquakes, which are extremely rare in Alabama.

Liability Coverage

You can also purchase liability coverage to cover the entirety of your property which will cover you under certain circumstances.  These circumstances are in relation to visitors to your home who trip and fall outside and get injured on your property.  It’s always a good idea to be covered under any possible circumstance as you never know what will happen in Life.

Further Information

To learn more about home insurance in Alabama, please contact Highpoint Insurance Group in Dadeville, AL today!