Not looking into your options can be a costly mistake. One you'll probably find out about too late. Just because things have gone okay so far or you've been with so-and-so company for X number of years, doesn't mean you have the right coverages or are getting the best value.
|We recommend shopping around for coverage at least every few years, and with several different companies or agencies.|
|Our new Alabama Coastal Insurance Shopper's Guide. This free guide features sections on the process of buying homeowners insurance, elements of coverage, flood insurance and even a Homeowners Comparison Checklist, as well as a “Top 10 Questions” to ask when buying insurance.|
DOWNLOAD THE GUIDE TODAY TODAY
|Ask the Right Questions | We have you covered, use our Top 10 Questions to ask About Homeowners Insurance.|
DOWNLOAD the "Top Ten Questions To Ask About Your Homeowners Insurance" handout.
You need enough insurance to cover the following:
| The structure of your home and any additional structures (detached garage, shop, shed, etc.)|
| Your personal possessions (your stuff).|
|The cost of additional living expenses if you have to live elsewhere during repairs.|
|Your liability to others.|
AND, to compile information about your house:
|When any upgrades were made if known. (New HVAC, new roof, new wiring, new plumbing, etc.)|
|Construction type (wood frame, wood frame with brick, concrete, concrete block, etc.)|