Home Insurance in Alabama

When unexpected disasters such as fire, lightning strikes, and wind damage occur, your home can suffer significant damage. The best way to protect your home is to obtain home insurance. We offer home insurance policies at Russ Richardson Agency in Birmingham, AL. Our goal is to help you find a policy that meets your needs and your family's needs.

Home Insurance Requirements

Home insurance is not legally required in Alabama. But, to be eligible for a home loan, your lender may require you to purchase a certain amount of insurance.

Home Insurance Coverage

Here is what home insurance covers:

• Dwelling- This will cover expenses to repair the damage done to your home following a covered loss, including fire, lightning, hail, or a windstorm.
• Other structures- This coverage keeps other structures that are not permanently attached to your home protected, including a detached garage, shed, or fence if they become damaged.
• Personal property- This will help you repair or replace your personal items if damaged or stolen. Personal items include furniture, electronics, and more.
• Loss of use- This will cover temporary living expenses on your behalf if your home is uninhabitable following a covered loss. Eligible expenses are hotel stays, restaurant bills, etc.
• Personal liability- This will cover property damage or injuries that you have caused to someone else.

Home insurance policies will cover damage resulting from:

• Explosions
• Hail
• Falling objects
• Fire
• Theft and vandalism
• Wind
• Lightning strikes
• Weight of snow or ice

Quotes

To obtain a quote for home insurance, give us a call here at Russ Richardson Agency. We are located in Birmingham, AL. Our agents are standing by, waiting to assist you in finding the best policy to meet your needs.