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Alabama Homeowner's Insurance

The big question in today’s homeowner’s insurance market is, “What will it cost to rebuild my home if it should burn to the ground?” The rising cost of new home construction is a major factor in determining if you will be able to replace your home with the same square footage and type of construction materials should it burn or be damaged. The experienced agents at Calhoun County Insurance can help you determine the amount of coverage you need. You may be surprised also that an increase in dwelling coverage may not create a major increase in premium.

Our Alabama homeowner's insurance policies are designed to give you maximum coverage of your home, your personal possessions, your valuables, and most importantly, your family. Also, because we represent some of the best homeowner's insurance companies in the world, we will find the best policy for your specific needs at the best price available!

Homeowner's Insurance Policy Basics

Our Alabama homeowner's insurance policies cover much more than just the structure of your house. Some of our policy features include:
  • Coverage for your DwellingDwelling coverage protects your home's structure from loss caused by a covered peril, such as fire, hail, and lightning.  Dwelling coverage also includes an attached garage.
  • Personal Property - In addition to your dwelling, you are also covered for the loss of personal property inside your house. These items might include furniture, electronics, clothing, appliances, and other necessities. Calhoun County Insurance can also provide additional coverage to cover more expensive items not fully covered in a standard homeowner's insurance policy.
  • Loss of Use - Your Alabama homeowner's insurance policy will also pay for temporary housing and meal expenses that may be required if you are forced to leave your home due to property damage.
  • Personal LiabilityIf a guest of your home suffers an injury or damage to their personal property while visiting your home, your homeowner's insurance policy will cover the costs. For additional coverage, Calhoun County Insurance can also offer a personal umbrella insurance policy.
  • Medical Payments - Your homeowner's insurance policy will cover medical costs related to injury of any guests of your home while they are on the property.

*Note: Flooding is not covered under a standard homeowner's policy but can be purchased separately.

Contact Your Alabama Homeowner's Insurance Agent


Call us today for a Homeowners Insurance review. You can also click here to receive instant rate comparisons and a representative from Calhoun County Insurance will contact you quickly to help create the best homeowner's insurance policy for you. 

Upon request, we will also video your home and contents and provide you with a DVD copy free to document what you have should you have a loss. (Be sure to keep this DVD off premises.)