Homeowner Insurance In Madison, Alabama

Buying a home is one of the biggest and most important investments you can make. Whether you own a house, apartment, or condo, homeowner insurance is crucial to protecting not only that investment, but also yourself and your belongings.

The agents at Pepper, Johnstone & Company will find an insurance company that aligns with your coverage needs. Prices and coverage availability may vary per insurance company.

Madison Homeowner Insurance Policies

Homeowner insurance policies in Madison, AL are based on the type of residence and the particular coverages you select. Make sure that you choose the policy that is right for you, whether that is a comprehensive policy or one that covers certain losses.

Homeowner Insurance Coverage Types

Below are the four types of homeowner insurance coverage:

• Structural - covers your home or dwelling

• Personal Belongings - covers items inside your home or dwelling or on the premises

• Liability Protection - covers your legal responsibility for any injuries or damage to other people or property

• Additional Living Expenses - coverage for temporary housing, meals, etc., while your home is rebuilt or restored

Homeowner insurance does not cover damage to your home or dwelling caused by lack of care and maintenance. Consider taking photos and/or videos of your home, and keep an inventory list of your belongings in case you need them in the future.