---
title: "Home and renters insurance guides"
description: "Riskado insurance guides filed under Home and Renters, newest first: 83 guides."
url: "https://riskado.com/home-and-renters-insurance/"
lang: "en"
image: "https://riskado.com/og/default.jpg"
alternates:
  es: "https://riskado.com/es/seguro-de-vivienda-e-inquilinos.md"
---

# Home and renters insurance guides

- [Home and Renters](https://riskado.com/alabama-beach-pool/): The AIUA, Alabama's Beach Pool, insures wind and hail on property south of the 31st parallel in Baldwin and Mobile counties. See limits and how to apply.

- [Alabama Flood Insurance: Flood Zones and Maps, What Coverage Costs, the 30-Day Wait, NFIP vs Private Policies and Coastal and River Flooding](https://riskado.com/alabama-flood-insurance/): Alabama requires flood insurance in FEMA high-risk zones when the mortgage is government-backed. See flood maps, NFIP limits, the 30-day wait and private cover.

- [Alabama FORTIFIED Roof: The Insurance Discount Alabama Law Requires, Strengthen Alabama Homes Grants, Roof, Silver and Gold Levels and How to Apply](https://riskado.com/alabama-fortified-roof/): Alabama law requires a wind discount for IBHS FORTIFIED homes, and state grants pay up to $10,000 for a FORTIFIED Roof. See the discount table and how to apply.

## More guides

- [Home and Renters](https://riskado.com/alabama-homeowners-insurance/): Alabama's average HO-3 premium was $1,906 in 2023, per the NAIC. See why rates rise, how coastal and inland homes differ and what to check at renewal.

- [Home and Renters](https://riskado.com/alabama-hurricane-deductible/): An Alabama hurricane deductible is usually a percentage of insured value: 5% of $300,000 is $15,000. See when it applies, the per-storm rule and what to ask.

- [Home and Renters](https://riskado.com/alabama-renters-insurance/): Alabama law doesn't require renters insurance, but a lease can. See what a policy covers, the $219 average for 2023, flood gaps and what students should check.

- [Home and Renters](https://riskado.com/builders-risk-insurance-for-homeowners/): Builders risk insurance covers a house while it is built or renovated. See who buys it, how it works with homeowners insurance, and when it starts and ends.

- [Home and Renters](https://riskado.com/citizens-property-insurance-florida/): Citizens insures Florida homes when no comparable private offer comes within 20% of its premium. See who qualifies, the forms, takeouts and the flood rule.

- [Home and Renters](https://riskado.com/condo-insurance-ho6/): An HO-6 condo policy covers what the association's master policy leaves to you: belongings, interior items, liability and your share of loss assessments.

- [Home and Renters](https://riskado.com/do-i-need-earthquake-insurance/): Standard home policies exclude earthquake damage. See what earthquake coverage pays, how percentage deductibles work, and why the risk reaches past California.