Home Insurance in Alabama

Buying a Tuscaloosa, AL home will likely be one of the biggest upgrades in your life, with such a possession requiring the proper protection to keep it safe for the long run. Home insurance will be your go-to, with Baldo-Downs Insurance LLC providing coverage in this area. Below are some types of home insurance that residents within Alabama can consider signing up for.

Building Coverage

Building coverage keeps the structure of your home protected when perils such as fire, hail, or lightning cause damage to your property. It ensures that you get compensation for any repairs or replacement costs to help fix your home. Detached structures such as garages will also be covered until restored to their initial state.

Liability Coverage

Liability coverage ensures that your legal fees are taken care of when facing bodily injury and property damage claims. It also covers you against bodily injury liability, with this protection helping you pay for any 3rd party injuries that you cause. If you also damage other people’s property, property liability coverage compensates you for the costs of repairing or replacing the items in question.

Content Coverage

Content coverage takes care of your personal belongings when covered perils arise. This means that your clothing, electronics, and furniture will be repaired when they are destroyed by fire or hail. If they are also stolen or vandalized, content coverage helps you fix them at no extra cost. Take note that expensive property such as fine art and jewelry may not be covered.

Additional Living Expenses Coverage

Homes will often encounter disasters that cause significant damage, leaving you with the uninhabitable property. If this happens, additional living expenses coverage kicks in to pay for your accommodation, transportation, and meal expenses until your home is fixed.

If you need to keep your Tuscaloosa, AL property safe from any of the perils mentioned above, Baldo-Downs Insurance LLC is the partner you need. Call our Alabama agents today to discuss suitable home policies for your property.