10 pro tips for getting home insurance in Alabama

Getting home insurance might seem complicated. If you’re in the process of getting home insurance in Alabama, you’re probably a little overwhelmed by all the insurance terms and all the numbers. But don’t worry – we have some tips for getting home insurance that will break down some insurance concepts. We’re here to help you be prepared!

Pro tips for getting home insurance in Alabama

1. First of all, get multiple quotes.

You might not want to settle on the first policy you find. By getting multiple quotes, you get to compare coverage options and pricing. It’s kind of like buying a new laptop. You would want to compare different models to see what’s out there, and then you’d want to shop around to make sure you’re getting a good price. Okay, maybe home insurance isn’t exactly a laptop, but you know.

You need to get coverage that will truly be there for you. Do your research about the company you’re considering and make sure they’ve got good financial stability ratings and that they have a good reputation for customer service and claims handling. Getting coverage that will truly protect your home is more important than getting a cheaper price.

Our team can help you with this. We’re here to help homeowners get great coverage at a great rate, and we’ll make sure you have the coverage you need to protect your home. Get started with your quotes by filling out our online quote form.

2. Don’t put it off.

In the chaos of buying a home, home insurance might not exactly have been a priority. Maybe you didn’t really want to tackle that particular item on your to-do list. Anyways, try not to procrastinate getting home insurance. You’ll save yourself a lot of stress and give yourself much more time to consider your options.

3. Check that you have enough home insurance.

You need enough insurance to protect your home. You should have enough coverage to…

  • Rebuild your home from the ground up if it were destroyed by something like a fire
  • Replace your personal belongings.
  • Cover your family’s liability, or your legal obligation if you’re found responsible for causing someone bodily injury or property damage.

Again, it’s not a good idea to sacrifice coverage for the sake of saving a little money on your home insurance. You need to make sure that you have plenty of home insurance to cover you if you ever face a significant loss.

4. Understand what’s covered and what’s not covered.

It’s also important to know exactly what’s covered under your policy. Check and see what perils are covered by your home insurance policy. That way you know what losses are not covered and you can add coverage to close those gaps. (For example, sewer backup is often not covered under a typical policy, but you can add this coverage if you talk to your agent.) Also, find out how the liability coverage works with your particular policy.

5. Add coverages that you need.

This relates to our last point – make sure that you add coverage for losses that aren’t covered by the policy. Your home insurance should be customized to you and your insurance needs.

Be sure to read over the policy carefully when getting home insurance in Alabama.


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6. Know the details about your home.

Your home insurance rates depend on a lot of different factors, so it will be helpful if you load up your brain with some stats about your house. That’ll help both you and your agent as you go through the quoting process. For example, the agent might need to know about…

  • The material your home is built out of.
  • How old the home is/What year it was built.
  • How many square feet it is.
  • The type of roof.
  • Any previous claims.
  • Your location.

7. Know what factors can affect the cost of home insurance in Alabama.

There are a lot of different details that can affect the cost of home insurance in Alabama. The following are factors that can play a part in your rates…

  • Your building material.
  • How close you are to the local fire department.
  • How old your home is.
  • If you have a dog.
  • If you have a pool or trampoline.

8. Ask about home insurance discounts.

It’s also a good idea to ask about discounts when you’re getting quotes – home insurance discounts can help you save money on your insurance premium. Every insurance company offers different discounts, so it can be worthwhile to ask what sort of savings they offer and if you qualify for them.

Some common home insurance discounts are:

  • Having a home security system
  • Having a fire sprinkler system
  • Bundling (Getting your home and auto insurance from the same insurance company.)
  • Having a new roof

9. Think about your deductible.

Your deductible is the amount that you’ve agreed to pay towards a home insurance claim if you ever have a loss. You have to give your deductible some thought because choosing a higher deductible can help you save money on your premiums because you’re less likely to file a claim. However, you don’t want to set your deductible so high that it would be a huge burden to pay if you ever have a claim. When selecting your deductible, think about your disposable income and what amount you could comfortably pay in the event of a claim.

10. Review your policy every year.

Okay, your home insurance homework doesn’t end with getting a policy and paying the bill. You should also check your coverage every year to make sure that it still fulfills your insurance needs, provides enough coverage, and protects you financially.


Get a bundled home & auto insurance quote now and save!


And remember, you’re not in the process of getting home insurance in Alabama alone. Our team of agents would be happy to help you get the coverage you need to protect your home. We’ll help you get great coverage at a great rate, and we’ll make home insurance easy. To get started with your quotes, fill out our online form or give us a call today.

Sources:

https://www.thebalance.com/homeowner-insurance-shopping-tips-1798649

https://www.newhomesource.com/guide/articles/home-insurance-101

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