Homeowners Insurance Information
In 2012, Cullman was Alabama’s selection of Bloomberg Businessweek’s 50 Best Places to Raise Your Kids
. To protect all that’s important to you, invest in homeowners insurance. For over 20 years, Jean Deese Insurance Agency
has helped homeowners throughout Northern Alabama get customized, tailored coverage.
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Home Insurance in Cullman, Good Hope, Vinemont, & Falkville AL
Home Insurance for Homeowners Throughout Alabama
Vinemont, Falkville, Hanceville, Good Hope and Decatur
Alabama is a wonderful state to live, but it also comes with a lot of environmental risks. Tornadoes are frequent and can be devastating across Alabama. Without the right home insurance policy, you could face recovering from an accident or disaster on your own.
Jean Deese Insurance Agency is dedicated to helping Alabama homeowners protect their home with comprehensive and affordable home insurance policies. We will help you evaluate your home’s risk and compare quotes so that you can protect what matters most with a reliable home insurance policy.
What Does Homeowners Insurance Cover?
A basic home insurance policy covers four main areas:
Personal general liability under home insurance covers accidents of bodily injury and property damage someone else may suffer. For example, if a visitor trips and falls in your home, liability insurance can help pay for their medical bills. It can also protect you in case of a lawsuit regarding these types of accidents. Liability can also extend to cover damage and injuries caused by your children or pets. If your pet bites someone, or if your child accidentally breaks someone’s window with a baseball, liability insurance can help pay for the related expenses.
Dwelling coverage provides compensation for damages to the physical home and its attached structures. It covers against a list of perils, including fire, wind, hail, lightning, smoke, explosions, falling objects, theft and vandalism. This does not generally cover things such as fences and outdoor signs.
Personal belongings coverage provides compensation if your personal items are lost or damaged due to many of the same perils as covered by dwelling insurance. There are also optional policy floaters available to cover your expensive items such as jewelry, furs, art and electronics.
Additional Living Expenses
Additional living expense coverage helps cover costs related to temporarily moving if your home is rendered uninhabitable by a disaster. If a hurricane sweeps in and destroys your home, for example, this coverage can help with the cost of food, temporary shelter and more.
How Do I Shop for Home Insurance?
When shopping for home insurance, you will need information ready. Important information you will have to provide includes:
- A legal identification card and a social security number
- Your address
- The home’s square footage and renovation history
- The condition and value of the home’s appliances and amenities
- The value of all personal belongings you wish to insure (can be an estimate)
It’s crucial to understand the value of what you are insuring to guarantee that your personal belongings will be covered. You will want physical proof of your home’s renovation history, as well.
Protect Your Home
For over 20 years, Jean Deese Insurance Agency has helped homeowners throughout Northern Alabama get customized, tailored coverage. Call us at (256) 734-8711 or fill out an online quote form to get started!
Common Home Insurance Questions
When Do I Need Home Insurance?
You should generally have a home insurance policy by the time you’re ready to sign the dotted line. Having a policy in place before you move in can save you from disasters or claims that happen before you even pick up the keys. Also keep in mind that banks will often require you to have insurance on homes with a mortgage.
How Often are Home Insurance Premiums Paid?
Most homeowners pay for home insurance through monthly premiums. Some insurance providers allow you to pay annual premiums for a discount, however.
How Much Does Home Insurance Cost?
Home insurance rates vary depending on your location, value of the home, credit score, claims history, coverage limits, deductibles and more. Fill out an online quote form to find out how much you can save on home insurance today!
Understanding Your Costs
As an independent agency, we can compare a multitude of policy options to make sure you always get the one that offers the lowest costs for the best-fit of coverage. With our convenient office in Cullman, we provide customized coverage for clients in Vinemont, Falkville, Hanceville, Good Hope, and Decatur. Contact us today to learn more!
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