Single-family home
Dwelling, other structures, personal property, loss of use, and personal liability. The dwelling limit should track rebuild cost, not market value — those are different numbers.
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No obligation to buy. Ask whether your dwelling limit still matches what rebuilding would actually cost.
Home Insurance line
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What is available
The main options an agent will talk through with you, and what each one actually does.
Condo (HO-6)
Covers what your association master policy does not: interior finishes, your belongings, liability, and often loss assessment. What the master policy covers varies enormously.
Renters (HO-4)
Covers your belongings and your liability without insuring the building. Usually the cheapest policy in insurance and the one most often skipped.
Home and auto together
Carriers that write both commonly discount the combined premium. Whether bundling actually wins depends on which carriers are involved.
Know what to ask before you call
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10–20 years
Under 10 yrs20–40 yrsOver 40 yrs
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Ask about
Alabama requires at least
$25,000 / $50,000 / $25,000
Source: Alabama Department of Insurance. This is a legal minimum, not a recommendation.
Is my dwelling limit based on replacement cost or market value, and when was it last recalculated?
Building costs moved a long way in a short time. A dwelling limit set years ago can be well below what rebuilding would actually cost, and that gap only shows up at claim time.
Does my policy settle a roof claim at replacement cost or at actual cash value?
Many carriers have moved older roofs onto depreciated settlement. It is one of the most consequential clauses in a homeowners policy and it rarely gets explained.
What water damage is covered, and what is excluded?
It is the most common homeowners claim and the one with the most exclusions. Flood is a separate policy almost everywhere.
Do I have a separate wind, hail, or hurricane deductible?
These are often a percentage of the dwelling limit rather than a flat dollar amount, which makes them much larger than people assume.
Read these out if it helps. A licensed agent expects to be asked.
Ask them yourself
(888) 883-0806Calling costs nothing and there is no obligation to buy.
Not an insurer. We connect you with licensed agents.
Home discounts that go unclaimed
Home policies are rated on the condition of the property when the policy was written. If you have upgraded anything since, your rate may not reflect it.
Roof age and impact-resistant roofing
Roof age is one of the strongest rating factors in property insurance. A roof replaced since your policy started is worth reporting immediately.
Monitored security and fire systems
Professionally monitored burglar and fire alarms are a standard filed credit at most carriers.
Water leak detection
Water damage is the most common homeowners claim. Automatic shutoff and leak-detection systems earn a credit at a growing number of carriers.
Claims-free history
Going several years without a claim moves you into a better tier at most carriers.
Multi-policy
Adding auto to the same carrier is typically the single largest discount available on a home policy.
Systems updates
Updated electrical, plumbing, or HVAC changes how a carrier rates an older home, and often changes whether they will write it at all.
Get a straight answer in about ten minutes.
Talk to a licensed agent about home insurance. No form, no cost, and no obligation to buy anything.
Home Insurance line
(888) 883-0806Calling costs nothing and there is no obligation to buy.
Not an insurer. We connect you with licensed agents.
Home Insurance questions
Short answers to what people ask before they dial.
How much dwelling coverage do I need?
Enough to rebuild the home, which is not the same as what you paid for it or what it would sell for. Construction costs have risen sharply, so policies written a few years ago are commonly underinsured. An agent can walk through a replacement-cost estimate with you.
Does homeowners insurance cover flooding?
No. Standard homeowners policies exclude flood. Flood coverage comes separately, through the National Flood Insurance Program or a private flood insurer. Ask the agent about it if you are anywhere near water.
What about earthquakes?
Also excluded from standard policies, and also available separately. It matters in more states than people expect.
My mortgage company handles my insurance. Can I still shop?
Yes. Your lender requires that coverage exists and is paid from escrow, but you choose the carrier. Agents deal with escrow and binder paperwork routinely.
Is renters insurance worth it?
Your landlord insures the building, not your belongings and not your liability. Renters coverage is usually the least expensive policy sold, and it is the one that pays if a fire in another unit destroys everything you own.
Also worth asking about
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