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Alabama Home Insurance

A home is undoubtedly everyone's biggest asset. Protecting that house is one of the biggest things to do, which is why choosing the right Alabama home insurance is soInsurance-Rates-Online helps you find the right Alabama home insurance coverage. important. But no one wants to spend once cent more than necessary on home insurance, it’s important to shop smart. That’s where Insurance Rates Online can help, giving consumers the information needed to compare coverage and rates, then offering the best Alabama homeowners insurance companies in your area.

What to Know Before Shopping for Alabama Home Insurance

Home insurance covers several different risks that come with owning a home. These include:

  • Property Damage – damage to the home due to covered occurances, such as fire, theft, wind, etc.
  • Personal Property – damage or loss of personal property, everything from toothbrushes to computers.
  • Personal Liability – claims or lawsuits from injuries or property damage that occurs on the property.
  • Medical Payments – pays for medical expenses of people injured on the property by family or your pets; this doesn’t pay for injuries to anyone living in the home however.

The first step is deciding how much risk is acceptable. There are two main choices in home insurance:

  • Replacement Cost Insurance, which covers the actual cost to repair or replace the dwelling up to the limit of the policy. It costs more, but will pay out more in case something happens.
  • Actual Cash Value Insurance which deducts for depreciation of the original item then pays the balance toward repairs. Though less expensive, if there’s a problem, the homeowner has to come up with the difference between the depreciated value and the cost of repairs.

Saving Money on Homeowners Insurance in Alabama

There are many ways to lower the cost of home insurance premiums with just a little effort. For example:

  1. Raising the deductible – By moving to just a slightly higher deductible, like increasing from $250 to $500, it’s amazing how much money can be saved.
  2. Securing the Home – Adding things like deadbolt locks, smoke detectors, and fire extinguishers can reduce insurance premiums. Before spending a lot of money on a monitored alarm system, check with the insurance company to see whether it will save enough to justify the expense.
  3. Choosing the Right Home – When shopping for a home, remember that a brick house costs less to ensure than a frame home, newer homes are cheaper than older ones, and there’s a discount if the fire department is nearby and even if a fire hydrant is close by.
  4. Comparison Shopping – This is a major purchase, so it’s important to compare coverage and rates. Different insurance companies will charge different rates to cover the same home, based on their claim experience in the area. Shop at least once every few years to make sure the rates still getting the best deal.

Special Concerns for Alabama Homeowners

Living in Alabama comes with certain risks not faced in other states. For example, residents living along the coast who own a boat,  should not assume that it is covered by a homeowners policy. Things like boats, recreation vehicles, and ATV’s require separate policies.

Home insurance policies in Alabama don’t cover flooding.  Any homeowners who live in a flood plain, whether it’s close to the Gulf of Mexico or near a river, should buy flood insurance from the National Flood Insurance Program.

There is a even a chance of earthquake in Alabama, since the New Madrid Fault runs through the northern part of the state. Earthquake insurance is available at a relatively low cost as an endorsement to Alabama home insurance policies.

More Information on Alabama Home Insurance

For additional information about homeowners insurance in Alabama, contact the Alabama Department of Insurance, PO Box 303351, Montgomery, AL 36130-3551. They can also be reached by phone at 334-269-3550.

Start Saving Money on Alabama Home Insurance Now

Armed with the knowledge of how to choose the right insurance policy and reduce insurance premiums, it’s time to start shopping. Simply click on "Get Quotes" and you’ll instantly be matched with a list of great insurance companies offering home insurance in Alabama. Click on the three or four companies that sound best, and request a free quote. Almost immediately the savings on Alabama home insurance will start adding up.  Start now!  

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For more money saving ideas, check out Homeowners Insurance Shopping Tips.

Get more information on Flood Insurance at