Home Insurance

Home Insurance

Your home insurance policy will not only cover your home and its possessions but also protect your beloved family. If you just bought a house, the worst mistake you can ever make is--not buying the right home insurance.

Many accidents can happen in your home and could harm your property and loved ones. That is why Harris Insurance recommends buying the right insurance to protect your happy place. Let's look at what basic homeowner insurance could cover.

What does home insurance cover?

  • Personal liability coverage
  • Property liability coverage
  • Dwelling coverage
  • Other structures
  • Medical payments

Determine the right home insurance for you

A basic homeowner's insurance covers damages and loss caused by fire, hail or lightning. However, where your home is located profoundly determines your insurance premiums. For instance, if you live in a place where break-ins are common, your insurance rates may be higher. If you live in a flood zone area, you might need to buy a separate flood insurance policy. To insure your home the right way, you need to know or estimate the reconstruction value/cost of your home and its contents.

Factors that determine your insurance rates in Alabama

Some of the factors that will affect your insurance rates include the following:

  • Your home address
  • Age of the house
  • Size of the home
  • Whether you own a pool or trampoline
  • Whether you bought it by mortgage or cash
  • Your valuables and personal possessions

Your home is probably your most valuable asset and protecting it the right way should be one of your top priorities. We care about you and what matters to you. For more information about home insurance, call or visit our office, and we will be happy to help you.

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Harris Insurance

806 Hwy 78 W
Jasper, AL 35501

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Servicing States

  • Alabama
  • Florida
  • Tennessee
  • Mississippi
  • Georgia
  • Kentucky
  • Ohio
  • South Carolina
  • North Carolina
  • Texas
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  • Oregon
  • Washington
  • Michigan
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  • Illinois