Are earthquakes, floods and storms covered under Alabama home insurance?

Alabama homeowners insurance is important to protect you from unforeseen disasters. If your home is struck by lightning or damaged by wind, your policy will pay for damages up to your policy limits. However, there are some disasters that are not normally included in a typical homeowners policy. At Robinson Insurance Group LLC, we want to help you make sure you have the protection you and your family need.

What Kinds of Disasters Are Typically Covered?

Here is a list of natural events that are generally covered:

  • Lightning, including the damage resulting from falling tree branches.
  • Damage from wind, including secondhand damage by debris.
  • House fires, including kitchen fires or fires caused by weather. There are exceptions for criminal acts like arson if you are found to be culpable.
  • Wildfires, which could damage the entire property.
  • Cold weather-related damage, such as that caused by ice or snow. You may be expected to take action to mitigate harm.

What Kinds Of Disasters Are Not Always Covered?

  • Depending on where you live, you may not have protection if there is a hurricane. Some areas are more likely to experience hurricanes, and you need to find out if you are protected. 
  • Your home may be partially or completely destroyed by an earthquake, even if you do not live near a fault line. Homeowners insurance does not cover earthquakes but may cover some of the resulting damage and temporary living assistance.
  • If caused by flooding, water damage is not covered under your standard homeowners’ policy. 

We Are Here To Help

If you want to protect your Alabama home from these additional perils, you may be able to purchase additional coverage. Call Robinson Insurance Group today so we can help you assess your risks and help you get the protection you need.

Four things that some people don’t realize about home insurance

Homeowners in Alabama can meet their home insurance needs with our assistance at Robinson Insurance Group LLC. It’s important for homeowners to have enough information about their insurance needs and coverage options.

The following are four things that some people don’t realize about home insurance:

Mortgage lenders require borrowers to have home insurance. 

Homeowners are sometimes under the misconception that they can choose whether to buy insurance. However, any homeowner who is still paying off a mortgage needs to have home insurance. 

Mortgage lenders typically handle payments on borrowers’ home insurance through an escrow account. 

You can choose between replacement value and actual cash value coverage.

Replacement value coverage covers the total costs of rebuilding your home if it is destroyed. On the other hand, actual cash value coverage compensates the homeowner for the market value of their home. 

Ideally, you should choose replacement value coverage so that you’re not compensated for less than the full value of your home due to depreciation. 

Home insurance policies include liability protection.

Some homeowners don’t realize that home insurance doesn’t only cover your home’s value when your home becomes damaged. Home insurance also protects you from liability expenses if you face a lawsuit because of an accident or injury in your home.  

Flood insurance is not included in a standard home insurance policy.

Home insurance won’t include coverage for flood damage to your home. You’ll have to purchase flood insurance separately if you want to be covered by flood damage. 

Reach Out To Us

At Robinson Insurance Group LLC, we’re here to answer questions you have about covering your home with the right insurance policy. Call us for a quote on a home insurance policy for your home in Alabama. 

Preparing your home for an emergency

No matter where you live, emergencies happen, and it is vital that your family and your home be prepared. At Robinson Insurance Group LLC in Alabama, we make sure that your home is prepared for an emergency with the correct home insurance. As an independent insurance agency, we are dedicated to providing our customers with the finest service and making sure they have the insurance they need. 

Preparing your home for an emergency

Have an emergency getaway route

In the event that a storm, tornado, hurricane, or other disaster is bearing down on you, it is important to have a route mapped out before the emergency is imminent. You should have a first choice and then a second choice depending on which direction you need to go. 

Have important papers together

Put all your important papers, birth certificates, insurance policies, mortgage documents, passports, etc. together in a water and fire-proof container and have it where you can easily grab it quickly if you must make a speedy escape. You might want to put a few important photos into the container as well. 

Stock necessities

Make sure you have plenty of bottled water, batteries, light sources that don’t require electricity and a way to cook or warm things up that doesn’t require electricity.

Have a generator

A generator is a lifesaver if you lose power for an extended period. You can choose to have a portable generator, or you can have a whole-house generator. This allows you to maintain as normal a life as possible in the event your area is hit by a disaster. Make sure you have a fuel supply that can last more than a day or two. 

Reach Out To Us

To find out more about home insurance coverage, give us a call at Robinson Insurance Group LLC in Alabama, and let us help you get the coverage that is right for you. 

Types of Coverage in Home Insurance

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.

Get the Most From Your Alabama Home Insurance

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.