Home Insurance
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Homeowners coverage for Alabama
Your home is probably the largest investment you'll ever make. A good homeowners policy protects the structure, the things inside it, and your liability if someone gets hurt on the property. We help Homewood, Hoover, and Birmingham-area homeowners build coverage that fits the real value of what you own — not a number a website pulled out of thin air.
What's covered
Coverage tailored to Alabama homes
Storms, hail, and the occasional severe weather event are real risks across Jefferson County. A homeowners policy from us covers more than just the roof — we walk through dwelling, contents, liability, and additional living expense coverage so there are no surprises when you actually need to file a claim.
- Dwelling Coverage
- Other Structures
- Personal Property
- Liability Protection
- Loss of Use / Additional Living Expenses
- Medical Payments to Others
FAQ
Frequently asked questions
Does my homeowners policy cover storm and hail damage?
In most cases, yes — wind and hail are standard covered perils on Alabama homeowners policies. However, deductibles for wind/hail claims are sometimes separate from your standard deductible. We'll review your declarations page line by line so you know exactly what you have before a storm hits.
Is flood damage covered by homeowners insurance?
No. Standard homeowners policies in Alabama (and everywhere) exclude flood damage. Flood coverage has to be purchased separately through the NFIP or a private flood carrier. If your home is anywhere near a creek, low-lying area, or storm-drain pinch point, ask us about a flood quote.
How much homeowners insurance do I actually need?
Enough to fully rebuild your home at today's construction prices — not what you paid for it, and not the tax assessment. Building costs in Alabama have moved a lot in recent years, and underinsuring is one of the most common mistakes we see. We rebuild dwelling limits from current cost-to-build numbers, not stale figures.
Get Started
Get a free home quote — we'll do the rest
Get a Free Home Quote
Tell us about you — we'll take it from there.
Protecting Alabama homeowners