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Renters Insurance in Alabama

When you are ready to move into a new rental property in Montgomery, AL, it's vital to ensure you have the coverage you need to protect your future. The Mitchel Agency LLC wants to help you understand renter's insurance so you can feel confident in your choices.

What Renter's Insurance Does Alabama Require?

Neither Alabama law nor federal law requires you to carry renter's insurance. However, your landlord or leasing company may require proof of renter's insurance as part of your move-in process. Even if they do not, getting a renter's insurance policy is worth considering.

What Are the Benefits of Having Renter's Insurance?

If you rent a property and a fire, vandalism, theft, or weather-related disaster occurs, your landlord's insurance will cover structural repairs on their building. It will not cover your property, you, your guests, or your family. Renter's insurance provides you with a promise of help if disaster strikes.

What Types of Renter's Insurance Coverage Can You Get?

• Personal Liability: Protects you from financial loss due to lawsuits related to accidental injuries in your home or unintentional damage to neighboring properties.
• Personal Property: Covers your personal belongings within your home and car if they are damaged or lost due to a valid claim.
• Additional Living: Covers you if your home is made unlivable due to a claim while repairs are being completed or until you can find another suitable home.
• Special Coverages: If you have costly items like jewelry, art, or firearms, you may pick up additional property coverage to account for their increased value.

If you have questions or want to discuss getting the best rental insurance protection for your Montgomery, AL rental, The Mitchell Agency LLC is ready to help. Call or stop by our offices, and our friendly, knowledgeable staff will help you secure insurance that meets your unique needs.