Home Insurance
Protect your sanctuary with our comprehensive home insurance policies, tailored to safeguard your property and belongings against unexpected events.
Personalized Home Coverage
At Akin & Associates, we understand that every home is unique, and so are its insurance needs. Our range of coverage options ensures that whether you own a traditional house, a manufactured home, or are renting, your property and belongings are well protected.
Comprehensive Protection
We offer extensive coverage options to shield your home from various risks, including natural disasters, theft, and liability. Our goal is to provide you with a policy that offers peace of mind, knowing that your home and possessions are secure.
Why Choose Akin & Associates for Your Home Insurance?
List of Services
-
Tailored Solutions:List Item 1
We create customized insurance plans that fit your specific home and lifestyle, offering the protection you need.
-
Inclusive Policies:List Item 2
Our home insurance covers a wide range of scenarios, ensuring you’re always prepared.
-
Dependable Support:List Item 3
Our team is dedicated to helping you navigate the claims process, providing prompt and fair assistance when you need it most.
-
Bilingual Assistance:
We offer Spanish-speaking agents to ensure clear communication and exceptional service for all clients.
FAQs
What does homeowners insurance cover?
A standard homeowners policy in Alabama typically covers your dwelling (the structure of your home) and other structures on your property, your personal belongings, liability protection in case someone is injured on your property, and additional living expenses if you can’t live in your home due to a covered loss. For example, if a storm damages your house, your policy helps pay for repairs and even a hotel stay if needed. We customize coverage to ensure all these areas match your specific home and risks.
Are floods or tornadoes covered under home insurance?
Tornadoes and wind storms are generally covered by standard home insurance in Alabama (wind is a covered peril, though deductibles may apply). Flooding, however, is NOT covered by a standard home policy. Given Alabama’s riverways and Gulf Coast exposure, if you’re in a flood-prone area, we’ll help you obtain a separate flood insurance policy. It’s important in our region, since hurricane season and heavy rains can cause flash floods.
Can I get a discount on home insurance?
Yes, there are several ways to get discounts. Bundling your home and auto insurance with us can save you money. Home security systems, fire alarms, or storm shutters may qualify you for protective device discounts. If you haven’t filed claims in a long time, you could get a claims-free discount. We automatically check all our carriers for any savings you qualify for.
Do you offer home insurance for mobile or manufactured homes?
Absolutely. We understand many Alabamians live in manufactured homes or mobile homes. We have policies tailored for mobile homes, covering the structure, your contents, and liability, much like a standard homeowners policy. These policies account for the unique aspects of manufactured homes. If you have a mobile home or even a rented lot, we’ll ensure you’re properly covered.
What about renters or condo insurance?
We offer those too. Renters insurance protects your personal belongings and liability if you’re renting a home or apartment (your landlord’s policy won’t cover your stuff). Condo insurance (HO6 policy) covers your unit’s interior and your belongings, plus liability – it works alongside your condo association’s master policy. While these are separate products, we can easily set you up with renters or condo insurance; feel free to ask us for details or check our Individual Insurance section on the site.