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.
Home and RentersAlabama 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.
Home and RentersAlabama 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.
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.
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.
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.
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.
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.
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.
Standard home policies exclude earthquake damage. See what earthquake coverage pays, how percentage deductibles work, and why the risk reaches past California.
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