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Alabama Homeowners Insurance

Navigating your way through the numerous Alabama home insurance companies can be difficult. Most consumers know very little about home insurance and, once they purchase a policy, tend to stick with the same insurer for many years. But this is not always the wisest choice.

So how can you find several Alabama home insurance companies that will give you competitive quotes-without spending a lot of time on the phone or at your computer?

InsureMe makes it easy. We're an insurance shopping service providing consumers just like you with up to five competing quotes from local insurers. Just fill out our "Get a Free Quote" Box, and watch the Alabama homeowners insurance companies come right to your door!

Understanding Alabama Home Insurance

Becoming familiar with Alabama home insurance takes some research and understanding. You can only get the best value for your money by becoming informed and taking responsibility for your home insurance purchase.

In light of this, we've compiled some information using common questions and answers on the subject of Alabama home insurance. We hope this increases your understanding on the subject, helps you make your own home insurance decisions and enables you to lower your present home insurance premiums.  

FAQ's about Alabama Home Insurance

Q: "Why do I need to buy homeowners insurance?"

A: An Alabama home insurance policy protects your home and personal property in the event disaster strikes. It also provides protection against liability for accidents that injure other people or damage their property.

These protections are essential, and can mean the difference between losing your home and facing only temporary repairs, or being held personally liable in a lawsuit.

Q: "How do I know how much coverage I need?"

A: There are several factors to consider here:

  1. The better your coverage, the less your financial obligation in the event of a claim.
  2. If you finance your home, your lender may have certain coverage requirements. It is important to find these out ahead of time.
  3. You need enough liability coverage to protect yourself from lawsuits resulting from your negligence.

All three of these factors should help determine how much Alabama home insurance you purchase. Talk to a local insurer for further clarification.

Q: "What determines how much my Alabama home insurance will cost?"

A: Home insurance companies determine prices based on several things:

  • Type of construction
  • Your home's age
  • The distance between your home and fire protection
  • The amount of coverage you decide to buy
  • The deductible you choose
  • Any discounts you for which you may qualify


Frame homes usually cost more to insure than brick, and some companies may either not insure older homes at all, or may offer limited coverage if your home is of a certain age.

On the other hand, you may qualify for a discount on your Alabama home insurance if your home is new, or if you insure both your home and your car with the same insurer.

Higher deductibles reduce the price of your home insurance policy, but also mean more out-of-pocket expense if you file a claim.

Keep these things in mind when purchasing your Alabama homeowners insurance.

Q: "What are my policy options?"

A: Alabama home insurance is available in several package forms, but usually includes basic, broad, special and comprehensive policies. Costs vary, with basic form being the least expensive and broad form the most. The widest variations are a result of damages covered and cost.  

Some of the most basic protections are damage-causing events such as fire, theft, vandalism and hail. Other, more extensive protections include personal property, medical payments, additional living expenses and personal liability coverage.

Speak with a licensed Alabama home insurer to find out what type of policy you need.

Q: "Is there anything I can do to prevent loss?"

A: Yes. Prevent loss, minimize damage and keep your Alabama homeowners insurance cost low in the following ways:

  • Install and maintain smoke alarms
  • Place fire extinguishers in strategic locations in your home
  • Install a security system
  • Install a sprinkler system
  • Maintain your home and yard and keep them free of debris

Q: "How can I find affordable Alabama homeowners insurance?"

A: Smart shopping is the key! Follow these shopping guidelines to get the best Alabama home insurance coverage at the best price:

  • Get informed! Seek out information from your local library, state insurance department or your favorite consumer publication.
  • Comparison shop between several insurers. Find out what each charge for the same type of home insurance policy.
  • Provide the exact same information to each insurer you speak with to avoid confusion and ensure accurate quotes.
  • Don't sign anything until you verify insurers' licenses. This information may be obtained from the Alabama Department of Insurance Property & Casualty Insurance Division at 334-241-4145, or online at www.aldoi.gov.

Most importantly, make sure you understand a policy's contents when you purchase it. Your Alabama home insurance agent or company can answer your questions and clarify anything you don't understand. Don't be afraid to ask!

Q: "How can InsureMe help me get the Alabama home insurance I need?"

A: InsureMe has been in business since 1993 helping consumers like you get comparative insurance quotes from multiple insurers. We lend you our expert knowledge and experience in the form of information from articles such as this, excellent customer service and relationship with top insurers in your state.

Whether you're looking for a new policy or you'd like to replace an existing one, InsureMe is the place to find the Alabama home insurance you need.

So give us a call today at 800-467-8736, or submit your information online in our quote box at the top of this page.

Finding Alabama homeowners insurance has never been easier!

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