Montgomery, Prattville, Selma, Auburn, Opelika, Alexander City and Throughout all of Alabama

At Robinson Bryant Agency, we know how important it is to protect your home. A break-in, fire or storm can happen unexpectedly, causing significant damage to your property and belongings. Having the proper homeowners insurance policy is essential to make sure you are able to repair or replace portions of your home or personal items without breaking the bank. 

What Does Homeowners Insurance Cover? 

Here are a few common coverages that many home insurance policies include: 

• Structure protection. This type of coverage protects the physical structure of your home in the event of damage from fire, weather, vandalism or other unforeseeable issues. You may also be able to insure structures on your property that aren’t directly connected to your house, such as fences or detached garages.
• Liability coverage. If an accident occurs where you are at fault and accidentally harm someone else or damage their property, this coverage will help you cover those costs. Typically, liability insurance will cover incidents both on and off your property.
• Additional living expense protection. This portion of your policy allows you to pay for food expenses, hotel bills and other living expenses if a covered loss renders your home uninhabitable for a time.
• Possessions insurance. This type of coverage covers the individual items in your home. You may choose to insure only costly items such as electronics and furniture, or you can expand your coverage to include smaller items such as clothing. 

You can add other benefits to your homeowners insurance policy, such as scheduled items riders, flood insurance and umbrella liability insurance. We can help you determine which unique benefits best fit your needs. 

How Much Does Homeowners Insurance Cost? 

Many factors influence the price of your home insurance, including the home’s value and location, your credit score and security features in the house, among other considerations. If you have taken out a mortgage, most lenders require enough insurance to cover the replacement cost value of your home. 

Get Homeowners Insurance Today 

Our agents at Robinson Bryant Agency are committed to helping you find a policy that suits your needs. Contact us today at (334) 356-3665 or visit our website to get an online quote today.