Homeowners insurance for Alabama

For Alabamians, our carrier partner offers a unique coverage called House & Property insurance. This versatile policy covers your:

• Dwelling.
• Other structures on your property.
• Personal property, like furniture and electronics.

If you live in the home you’re insuring, a House & Property policy can also include:

• Personal liability coverage.
• Loss of use coverage.
• Medical payments coverage.

If you rent your home to others, you get rental income coverage instead of loss of use coverage. A rental income insurance policy can help you cover lost income if your property is uninhabitable due to a covered claim.

A standard House & Property policy insures your home and other structures for their replacement cost on an open-perils basis. That way, you’re protected for most of the major events that can damage your home, such as wind, hail, fire, and theft. Personal property is insured for its actual cash value, or its depreciated value.

Read the Alabama Policyholder Bill of Rights.

The average homeowner in Alabama pays over $1,600 per year for their insurance. Much of that cost is due to the potential for weather-related damage from hurricanes, tornadoes, and hail. But other characteristics can play a role, too, like your home’s:

• Location.
• Age (year built).
• Construction materials.
• Square footage.
• Frame type.

Basically, every home is different, so the cost of Alabama home insurance can vary greatly.

Alabama law does not mandate that homeowners buy home insurance. However, your mortgage lender most likely requires coverage to protect its financial interest in your home. While Kin doesn't currently offer flood insurance in Alabama, you may need it – particularly if you’re in a high-risk flood zone. Alabama home insurance is a good idea even if you’re not required to get it, as the Cotton State sees a good number of tropical storms, thunderstorms, and tornadoes.

Like any state that borders the Gulf of Mexico, Alabama faces annual hurricanes – and it’s not just the coast that feels the effects. Cities in northern and central Alabama often see heavy rainfall when named storms blow across the state. Thunderstorms and tornadoes also affect many Alabama homeowners. Unfortunately, these weather risks are growing, and that makes insuring your Alabama home both essential and costly.

In addition to standard homeowners coverage for your dwelling, additional structures, and liability, you can also expand your coverage with several key endorsements, including:

• Animal liability in case your pet bites a guest.
• Identity fraud protection that covers expenses related to identity theft.
• Fortified roof coverage that reimburses you for the cost for upgrading your roof to meet the FORTIFIED Roof™ standards when a covered claim requires a roof replacement.