Ensure Your Home Has Enough Protection Against Disaster with Alabama Home Insurance

 

To protect your home against a natural disaster you need to have enough Alabama home insurance to cover you for any losses you might incur when disaster strikes. History tells us disaster will strike – Alabama has been struck by a natural disaster on an almost yearly basis since 2000. The Alabama Department of Insurance estimated the total losses from the tornadoes that hit north Alabama on April 27, 2011 to exceed $2 billion.

This makes it critical to have the right home insurance policy to protect yourself against natural disasters, which means having enough insurance to rebuild your home if necessary. A standard policy will cover the replacement cost of your home with materials of similar quality. When natural disasters hit, the cost of labor and materials often go up, meaning you could have to pay a significant portion of the replacement costs out of your own pocket. To ensure you are fully protected you can purchase coverage that goes over the limits of your standard policy.

You can also get inflation guard coverage to cover any rise in construction costs. After a natural disaster, the state often implements stricter building codes so homes can be better equipped to withstand severe weather events. You can get law coverage to help with the extra costs involved in building to these guidelines.

Flood is another common disaster in the aftermath of a storm. Flood insurance is not available on your standard Alabama home insurance policy and should you believe your home is at risk you will need to purchase flood insurance from the federal government’s National Flood Insurance Program. With Peck-Glasgow Insurance, you can get the coverage you need with our reliable and affordable policies. Contact us today for more information!