Home and Property

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Contact Brandon at Alfa® Insurance for all your home insurance needs.

Home Owners Insurance:

Homeowners insurance is a type of insurance policy that provides coverage for damage or losses to a person's private residence and the personal property within. This can include damage caused by natural disasters, fire, theft, or liability for accidents that occur on the property. Coverage can vary based on the policy chosen and the coverage limits selected. Homeowners insurance is typically required by mortgage lenders and can protect homeowners from financial loss if unexpected events occur. I specialize in home insurance! Call Brandon, Alfa Insurance Agent at (205) 712-4888 for a free quote today!

What does a Homeowners Insurance Policy Cover?

Your home insurance policy has a variety of coverage for your home and its belongings, as well as liability coverage, too.

These are the basics:

Dwelling: Dwelling protection covers damage to your home and attached structures, such as a porch, after a covered loss.

Other Structures: Other structures coverage is for stand-alone structures like a fence, detached garage, gazebo or shed.

Personal Property: Personal property includes your belongings, like tools, furniture and electronics. This coverage will repair or replace items that are stolen or damaged in a covered event. These often have coverage - whether they are inside the home or not - when damaged due to a covered loss.

Personal Liability: Personal liability can help protect you financially if you’re deemed liable for the injury of or damage to the personal property of someone else.

Renter(s) Insurance:

Renter insurance, also called tenant or apartment insurance, covers personal property and liability for renters in a rented residence. These types of insurance policies are essential to safeguard your assets and provide peace of mind in case of unforeseen circumstances. Renters insurance typically covers losses to your personal property caused by fire, smoke damage, sudden and accidental covered water damage, thefts, burglaries, vandalism or vehicle damage. I can help you determine the best policy for your individual needs.

Manufactured Home Insurance

Manufactured home insurance is a type of insurance policy designed to protect owners of manufactured homes or house trailers against unexpected damages and losses. This type of insurance typically covers the structure of the home, any personal property within the home, and liability claims against the homeowner. It may also provide coverage for additional living expenses if the homeowner is forced to leave their home due to a covered loss. Because manufactured homes are often located in areas with a higher risk of natural disasters, such as floods or tornadoes, it is important for owners to consider purchasing manufactured home insurance from Brandon (that's me) to protect their investment.