Types of Coverage in Home Insurance

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Home insurance is an essential type of insurance that every homeowner should have. When you have this type of insurance, there are several different kinds of coverage inside each policy. Each of these coverage types is important to have for your protection. When you are in need of a home insurance policy, call us at Robinson Insurance Group LLC in Alabama to get started.

Types of Home Insurance Coverage

Dwelling Coverage

Perhaps the most important type of coverage in these policies is coverage for the home itself. If a damaging incident like a disaster were to happen to your home, it could be extremely expensive to pay for the repairs. But with home insurance, you won’t have to. It will pay for those repairs and can even pay for you to stay somewhere else while important repairs are being made. 

Belongings Coverage

Just like the home itself, the things inside your home also need to be protected. With home insurance, these items are covered by the policy. If an event happened that ruined the items in your home, the policy could pay for them to be replaced. This can save you a lot of money that would have been an economic hardship without the policy. There are a lot of things that can happen to your belongings, and it’s always best to be prepared.

Liability Coverage

Home insurance also helps to cover your liability for accidents. A third party who comes into your home and gets injured may have medical bills as well as lost wages. These can be expensive, but you would be liable for paying for them. Your home insurance includes liability coverage so these would be paid for by your policy. 

Protect Yourself With Home Insurance

To get home insurance, give us a call now at Robinson Insurance Group LLC in Alabama.

What Happens If You Get Caught Driving with No Auto Insurance in Alabama?

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Are you an Alabama driver and wondering what penalties will you face if you are caught driving with no auto insurance in this state? We are here to assist with all your queries.

Why We Need Auto Insurance

Your automobile is valuable and should be insured if you own it. When you drive your car, you are putting yourself and others in danger. An accident can happen at any time — regardless of how careful you are.

It is always important to have insurance protection to cover the costs associated with an accident.

What Happens If You Get Caught Driving with No Auto Insurance in Alabama?

If you are caught driving without auto insurance in Alabama, penalties you may face depend on your situation. First-time offenders may have a different outcome than people with a history of driving without insurance.

The following are potential outcomes for Alabama drivers caught on the roadways without insurance:

  1. If you have a valid driver’s license and no other outstanding traffic tickets, the police may give you a verbal warning.
  2. However, if you have any outstanding traffic tickets or a revoked driver’s license, then the police may issue you a written citation with fines ranging from $100 to $1,000.
  3. In some cases, driving with no auto insurance is considered a misdemeanor.
  4. Alabama drivers convicted of a misdemeanor driving offense because of no insurance could have their driver’s license suspended for up to six months.

The worst-case scenario could mean jail time!

Get Affordable Auto Insurance in Alabama

Don’t risk getting caught driving with no insurance in Alabama! If you need auto insurance in Alabama, contact a licensed insurance agent at Robinson Insurance Group LLC instead.

Our team of insurance experts at Robinson Insurance Group can answer your auto insurance questions and provide a customized quote.

High Risk Flood Areas in Alabama

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Flooding can happen suddenly or over time, but the consistent fact is that floods cause damage. Some areas of Alabama will have a higher risk than others, making your preventive measures even more important when flood season hits. Alabama is served by experts at Robinson Group LLC who understand flood risk. Learn more about flooding in your area.

The Alabama Areas with the Highest Flood Risk

You’ll find higher risks of flooding near four of the larger Alabama metros. Areas to the west of Huntsville, in a swath from Tuscaloosa to Birmingham, the western side of Montgomery, and the Mobile area near the Gulf coast. The good news is the annual chance of flood in these areas tends to be less than 4 inches of water at the time of flooding, but the data shows some spots may get as high as 8 inches of flood or more in a year.

While these metros represent the current data, that doesn’t mean other addresses in Alabama are immune from flood risk, only that we don’t yet have the data to better calculate these risks. As always, it’s best to be prepared.

Choosing Flood Insurance Based on Risk

Flood insurance is available to homeowners, business owners, and renters too. If you are in an area with a low flood risk you may be content with basic property damage coverage. If you are in an area of higher risk, consider a comprehensive flood insurance policy that can also include liability and coverage against loss of use or loss of business if you need to relocate while things get cleaned up. 

Contact Us Today

Check with the Alabama flood insurance professionals at Robinson Group LLC to tailor your policy to meet your unique location needs. Get a quote today.

Get the Most From Your Alabama Home Insurance

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If you need home insurance in the state of Alabama, you want to get the highest level of protection from any policy you choose. With Robinson Group LLC you can get the knowledge and information you need to make the most of your insurance experience. From getting a policy that works with your needs to making sure all your questions are answered, talking with trusted agents is the best way to choose the right coverage.

Get the Most From Your Home Insurance

Insuring your home should be one of your top priorities. Since your home is such an important part of your life, you need to make sure it’s protected in a way that works for your and your family’s needs, both now and in the future. Whether you’re just buying a home or you already have a home that’s insured, talking to an insurance agent can help you decide whether you have the right type and level of coverage for the protection you need.

Peace of mind is very important, and with the right home insurance policy, you can have that peace, along with security to address any problems that might occur at your home. Working with an agent can also help you see the different options for policies, so you can think about any specifics you want to address. By choosing the right kind of coverage for your needs, you’ll feel good about the insurance policy you have on your home.

Get Home Insurance Today

Reach out to Robinson Group LLC today if you need to insure your Alabama home, and you want to make sure you’re getting the best policy for your requirements. Our dedicated agents can give you options and explain the differences in the policies you have to choose from, so you can get the most from your coverage.