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.
Home and RentersAlabama'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 RentersBuilders 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.
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.
Florida golf carts capped at 20 mph skip registration and PIP, but low-speed vehicles need both. See street rules, The Villages, homeowners limits and policies.
Florida had the highest average HO-3 premium in 2022, at $2,677. See why rates are high, what the 2021 to 2023 reforms changed and what to do at renewal.
Florida insurers can't refuse a roof under 15 years old solely for age, and older roofs get an inspection first. See ACV rules, roof deductibles and the 25% rule.
Georgia's FAIR Plan, run by the Georgia Underwriting Association, covers property private insurers won't. See who qualifies, what it covers and how to apply.
Georgia doesn't register or title motorized carts, but LSVs need registration and insurance. See Peachtree City and Jekyll Island rules and homeowners limits.
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