Alabama Homeowners Insurance Coverage

When you own a home in Alabama, you learn to watch the roof, the plumbing, the trees and whatever the forecast has in mind, from storms out of the Gulf to tornadoes from the north. Some things you can plan for. Some things you can prevent. Some things are simply out of your hands — and that’s where home insurance comes in.

But getting insured is only part of it. You also want to know what is (and isn’t) covered, so you’re not paying for coverage you don’t need or missing coverage where you need it. Farmers^® can help you sort through it all, from reviewing the policy you have to exploring discounts, bundling and other ways to save.

When you may need coverage beyond a standard homeowners policy

A standard homeowners policy doesn’t cover every scenario. For starters, it doesn’t cover all risks. Flood damage, for instance, typically isn’t covered, but separate flood insurance can fill that gap. It also doesn’t cover other types of property, like a condo or a home you rent out, because different structures or ownership situations call for their own kind of coverage.

Coverage for risks not included in a standard home insurance policy

• Flood insurance — A separate flood insurance policy through the National Flood Insurance Program (NFIP) can help cover flood damage.
• Earthquake insurance — You may be able to get coverage through an endorsement or a separate policy.
• Personal liability umbrella insurance — An umbrella policy can provide coverage above the limits of those your home or auto policy.

Different property, different insurance

Besides homeowners insurance, Farmers offers coverage for many types of properties and ownership.

• Landlord insurance — For homes and other properties you own and rent to others; coverage can help with certain property damage and landlord liability.
• Vacant home insurance — For homes left unoccupied for an extended period, including some homes undergoing renovation or waiting to be sold.
• Condo insurance — Can help cover your belongings, the parts of your unit that are your responsibility and personal liability.
• Mobile and manufactured home insurance — Coverage designed around the insurance needs of factory-built homes.

Learn more about all of Farmers property insurance options

Farmers Flex Personal Home coverage in Alabama

A Farmers Flex Personal Home policy starts with standard coverage. But standard doesn’t mean one-size-fits-all. You may be able to add coverage and features based on your home, your budget and the risks you want help covering. Just keep in mind, these options only apply when the type of damage or loss is covered by your policy. Options include:

• Extended Replacement Cost can pay up to 25% above your dwelling limit if rebuilding costs run higher than expected.
• Guaranteed Replacement Cost covers the full cost to repair your home, even if it exceeds your policy limit.
• FORTIFIED Roof™ Upgrade can help rebuild your roof to enhanced storm-resistant standards.
• Water Backup and Sump Overflow can cover damage from water backing up through drains and sump pumps.
• eBikes and Golf Carts cover vehicles otherwise excluded because they’re motorized.
• Home Sharing covers part or all of your home if you’re renting it out through home sharing.
• Valuable Items can cover specific possessions like jewelry, firearms or silverware.
• Cyber and Identity Shield can cover many forms of identity theft and cyberattacks.
• Emergency Mortgage Assistance can help cover up to three months of mortgage payments if you can’t live in your home.

Here’s the part worth checking before you choose: These options aren’t available with every policy, and availability and eligibility may depend on where you live and other requirements. Talk to a Farmers agent in Alabama to find out which options are available to you, exactly how they would cover you and what they would add to your coverage and cost.

Learn more about Farmers Flex Personal Home options

Alabama home insurance discounts at Farmers

There’s more than one way to save on home insurance in Alabama. Some discounts are based on your policy and payment choices. Others recognize your home, your history with Farmers or where you work. Talk to a Farmers agent to find out if you’re eligible for any of these discounts:

How you manage your policy

• Preferred Payment — Pay your premium in full, in two installments or through automatic monthly payments.
• ePolicy — Go paperless.
• Good Payer — Pay your bill on time.

Your history with Farmers

• Welcome — For new Farmers customers.
• Claim Free — Stay claim-free for three consecutive years.
• Loyalty — Stay with Farmers for a qualifying period.

Your home

• Homebuyer or Rent-to-own — For recent homebuyers or renters who are buying a home.
• Protective Devices — For features such as a fire alarm, security system, internal sprinklers, or leak-detection or water-shutoff devices.

Your work or affiliations

• Affinity — For people who work in certain professions, hold a qualifying degree or serve in the armed forces.
• Farmers GroupSelect^® — Available to eligible employees and members of participating organizations.

Reasons to bundle insurance in Alabama

The most obvious reason to bundle your home and auto insurance? The price. With Farmers, you can save up to 10% or more on both policies when you bundle.

But home and auto aren’t the only policies worth checking. Start with the insurance you already have and see which combinations could qualify for a discount.

Have other policies? If you also have life, boat, RV, motorhome or vacation home insurance, ask a Farmers agent whether switching your coverage to Farmers and combining it with your home policy could qualify you for additional savings.

There’s another reason to look at all your insurance policies together: It can be easier to see the bigger picture. A Farmers agent can help you look across your coverage, spot potential gaps and flag risks you may have missed — not just find another discount.

And bundling doesn’t mean you can’t still be flexible. Your policies remain separate policies, so you can cancel one and keep the others. Just know that changing your bundle could also change the discounts on the policies you keep.

Learn more about bundling insurance with Farmers

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Other insurance to consider in Alabama

Homeowners insurance covers a lot, but it doesn’t cover everything. Depending on what you own and the risks you face, other types of insurance may be worth considering.

Learn From Experience

Read real-life stories about insurance, renovations, home safety and more from pros and homeowners like you.

Not all products, coverages, features and discounts are available in every state and may vary by state. Restrictions, exclusions, limits, and conditions apply.