You are not required to have home insurance if you own your home. Mortgage lenders make home insurance mandatory. At The Mitchell Agency LLC in Montgomery, AL, we understand the importance of home insurance in Alabama. We are an independent insurance agency and do the hard work of comparing policies and ensuring you have the best insurance. Our agency offers a variety of valuable coverage for both you and your home.
Property insurance covers the actual physical buildings. Things like the roof, walls, doors, and windows. It also covers porches, decks, sheds, casitas, and garages. Your policy has exclusions, so read it to know what isn't covered. You have a deductible on your coverage. You choose the amount of the deductible, and this is what you pay.
Liability coverage protects your assets from legal action and expenses associated with someone being injured while visiting your home or by a family member while away. The amount of coverage you need depends on the amount of assets you have.
Content coverage covers your personal property. The coverage is usually 50% of the property coverage, and you have two options for the type of coverage: replacement cost or cash value. It covers your property at home and while you have it with you away from home.
If your home is damaged so severely that you cannot occupy it, loss of use coverage will pay for you to have a place to stay and for meals if necessary. It provides peace of mind knowing that you will have a roof over your head while your home is being repaired.
Other endorsements can extend your coverage to things not included in your home policy.
Contact The Mitchell Agency LLC in Montgomery, AL to discuss your home insurance coverage or get a quote on our website.
Coming soon...
