When you are looking for home insurance in Alabama, there are many things on your mind. You want to protect the dream that you have built for your family in every way.
At Southern Risk Associates, we help Foley, AL residents do just that. We can help you to keep everything in and around your home covered with the best insurance policy for your needs.
You are not required by law to have home insurance in Alabama. However, your mortgage lender may ask you for home insurance. Even when they don't, you may want to get home insurance protection to protect yourself against liability costs, property damage, and medical expenses if something happens on your property.
Dwelling coverage is the coverage of home insurance that you would get for your home's dwelling, including your roof and its walls.
Property damage coverage will cover you for damage to your property and contents inside the home. If there is damage or theft, you can file a claim on your property damage coverage.
Liability coverage will protect you from costs associated with an injury or risk on your property that you will be held liable for. This is often used in the case of an accident, whereby you are held liable for no other reason than it happened at your home.
There are several optional coverages for your home insurance. Medical expenses coverage will protect you against medical costs associated with people that are injured on your property. An additional living expenses protection on your policy will also cover you when your home is damaged after a loss, and you need to relocate temporarily.
When you are looking for home insurance in Foley, AL, there are several options for you, no matter what your home insurance needs, or risks are. At Southern Risk Associates, we can help you develop a home insurance policy that will meet those needs. Call us for a quote today.