Protect Your Home With Homeowners Insurance in AL
From tornadoes to hurricanes and lightning to hail, Alabama homeowners face plenty of challenges throughout the year. If you live in the state, you’ll need
homeowners insurance you can count on. With the AARP
® Homeowners Insurance Program from The Hartford,
1 you can get the coverage you need to protect your home and belongings from the unexpected.
Alabama Homeowners Insurance Coverages
Every homeowners insurance policy is unique. However, there are some types of
homeowners insurance coverages that come standard with most policies. You can also add optional coverages to further protect your home.
Coverages That Come Standard With an Alabama Homeowners Insurance Policy
You may be wondering, what does homeowners insurance cover? Typically, the following home insurance coverages are included in a standard policy:
Property Damage
Dwelling coverage is the part of your homeowners insurance policy that helps protect your home and the structures directly attached to it. It helps pay to repair or replace your home and its attached structures if they get damaged by a covered loss, like fire, hail or lightning. So, if your home is damaged,
Personal Property
Personal Liability
If you're found legally responsible for bodily injury or property damage to someone who isn't a resident of your home,
personal liability protection can help cover you. For example, if someone trips and falls on your steps and sues you, this liability coverage can help pay for your legal defense fees.
Other Structures
Other structures coverage helps protect structures that aren’t attached to your home. So, if your detached garage gets damaged by a storm, this coverage can help pay the costs to repair it.
Loss of Use Coverage
Loss of use coverage helps pay for your living expenses, up to your policy limits, if you can’t live in your home temporarily after a covered loss.
Medical Payments Coverage
Medical payments coverage helps pay emergency medical bills if someone who isn’t a resident of your household is injured on your property.2
Hazard Insurance
Hazard insurance is a coverage in a standard homeowners policy that provides protection for only your home’s structure. It can help cover damages for many of the hazards that Alabama residents face throughout the year, like fire, hail or windstorms. Hazard insurance is a term used mainly by mortgage companies and is required if you have a loan on your house, as they are mainly concerned about the structure of your home.
Recommended Optional Alabama Homeowners Insurance Coverages
Flood Insurance
Standard homeowners insurance policies don’t provide protection against flooding. To stay protected in these situations, you’ll need to purchase a separate
flood insurance policy through the National Flood Insurance Program (NFIP).
Additional Limits Coverage
Additional limits coverage helps cover the cost to rebuild your home at an amount up to 150% of your policy limits for most homeowners, if it’s a total loss.
Is Homeowners Insurance in Alabama Required by Law?
Homeowners insurance is not required by law in Alabama, but it’s still a good idea to get coverage to protect your home and belongings. If you have a mortgage on your home, your lender may also require you to have insurance.
What Is the Average Cost of Homeowners Insurance in Alabama?
The average cost of homeowners insurance in Alabama is $1,632 a year or $136 a month.3 However, insurance costs are different for each homeowner. Some factors that home insurance companies may look at when determining rates include your:
- Geographic location
- Home’s age
- Home’s replacement cost
- Claims history
Discounts and Savings for Home Insurance in Alabama
- Home Security Systems: Making simple updates to your home, like adding burglar alarms or security systems, can save you money.
- Fire Protection: You could get a home insurance discount if you install devices like fire sprinkler systems and monitored alarms.
- Auto & Home Bundle: Save up to 12% on car insurance and 20% on home, condo or renters insurance when you bundle your coverages through the AARP Auto and Home Insurance Program from The Hartford.**
Get Fast and Free Home Insurance Quotes in Alabama From The Hartford
The Hartford is a trusted insurance company that’s been protecting homeowners and their properties for over 200 years. Through the AARP Homeowners Insurance Program from The Hartford, you can get the coverage you need to protect the investment you’ve made in your home. To learn more about the savings and benefits available to you, call The Hartford’s representatives at
877-422-2345 or
get a quote online.