Alabama homeowners insurance

How you're covered

A typical policy in Alabama may include the following homeowners insurance coverages:

• Dwelling coverage (Coverage A) protects your home's structure (roof, walls, etc.) and attached structures, like a porch
• Other structures coverage (Coverage B) protects detached structures, such as a fence, shed, or detached garage
• Personal property coverage (Coverage C) protects your personal belongings, including furniture, clothing, and electronics. Certain items, like jewelry, art, and collectibles, are often only covered up to a specific limit so you may want to purchase an endorsement to schedule these items on your policy at the coverage amount needed, also known as "adding a rider."
• Loss of use coverage (Coverage D) may help cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss
• Personal liability coverage (Coverage E) protects you financially if you're legally responsible for another person's injuries or damage to their property
• Medical payments to others (Coverage F) may pay for medical expenses due to a covered occurrence
  

Keep in mind that coverage under your policy is subject to exclusions and conditions within your policy. It’s important to read your policy to understand the coverage provided.

If your policy covers windstorms, you might have a separate hurricane or wind damage deductible. This deductible is often higher than your policy’s standard deductible and could be a percentage of one or more of your coverage limits. Learn more about how to prepare your home for hurricanes and how homeowners coverage for hurricanes works.

More ways to stay covered in Alabama

Sometimes, you can buy extra protection by adding coverage to your homeowners policy or purchasing a separate one. If available, Alabamians may want to consider:

• Flood: Flooding is not typically covered under a homeowners policy. If you're concerned about flooding in your area, a private flood insurance policy or the NFIP, where available, may help protect your property and belongings against flood damage.
• Umbrella: An umbrella policy may help protect your assets if you exceed the personal liability coverage on your homeowners policy.
• Sump pump: Sewage back-up or sump pump overflows aren't typically one of the standard coverages automatically included with homeowners insurance. Adding water back-up coverage as an optional coverage, if available, may help in the event of sewage backup or sump pump overflow due to heavy storms.
  

How much is Alabama homeowners insurance?

Progressive homeowners policies in Alabama had an average monthly price of $153.19 or $1,838.34 annually in 2023.^* Homes in areas with a higher risk of tornado damage may have higher rates. Your premium could be higher or lower depending on factors like your type of home, roof construction, and claims history.

Helping you save on homeowners insurance in Alabama

Take advantage of discounts to save money on your homeowners insurance premium. We offer discounts for bundling home and auto policies, paying in advance, going paperless, and installing safety and alarm equipment.

There may also be discounts that are only available in your state or county. You can call 1-866-749-7436 to help ensure you're getting all discounts currently applicable to you and where you live, or speak to your agent.

Is homeowners insurance required by law in Alabama?

Homeowners insurance in Alabama isn't required by law, but if you have a mortgage, your lender may require you to have a homeowners insurance policy. Your policy's coverages are designed to safeguard your home’s structure in the event of damage caused by certain perils.