Home Insurance in Alabama
Homeowners insurance is vital because it protects the inside and outside of your home if something happens, such as a fire, theft, vandalism, etc. We offer home insurance here at Surety Ins Inc. in Alabama, providing our customers with reliable protection. It is vital that you get the coverage you need to avoid the financial stress that home repairs or liability incidents can bring.
Home Insurance Requirements
Homeowners insurance is not required legally in Alabama. However, if you finance your home through a mortgage company, more than likely, the lender will require you to obtain it.
Home Insurance Coverage
Homeowner's insurance will cover all of the following:
- Dwelling- This is a coverage that helps keep the structure of your home protected, including the roof and walls. It may also help protect other structures of your home, such as a deck or garage, if they are attached to your home.
- Other structures protection- This will help keep other structures not attached permanently to your home protected, such as a tool shed, fence, or detached garage.
- Personal property coverage- This will help protect your personal belongings inside of your home if they become stolen or damaged by a fire or storm. This includes electronics, appliances, and furniture.
- Liability coverage- This will cover you if someone that doesn't live with you is injured on your property. For example, if a visitor trips over your broken porch step and becomes injured, this will protect you and pay for legal fees in addition to your visitor's medical expenses if you are at fault.
Start a Quote....
If you live in Alabama and need a quote for home insurance, don't hesitate to contact Surety Ins Inc. today. You can also visit us or give us a call.