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Home > Homeowners Insurance in Decatur, AL | Akin & Associates

Homeowners Insurance


Homeowners Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Home and Auto Info
Homeowners Quote Form
Manufactured Quote Form

Homeowners Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Property Loss Claim Form
Request Declaration and Coverages for Existing Homeowners Insurance Coverage
Request Evidence of Insurance

Homeowners Insurance Information

No matter where you live, home insurance is crucial for protecting what matters most. Your home is a safe haven where you can relax and grow your family and a home insurance policy is designed so that you can live without worry of a disaster putting you under financial stress. 

At Akin and Associates, Inc., we strive to make genuine relationships with each and every client through hard work and honesty. Our dedicated insurance agents will help you find and tailor a home insurance policy that fits the coverage your home needs at a price you can appreciate. 


What is Covered Under Home Insurance? 


A basic home insurance policy covers three main areas: 

Dwelling Coverage 

Dwelling coverage provides compensation for damage to the physical home and its attached structures caused by fire, wind, hail, lightning, smoke, theft, vandalism and more. For example, if a storm damages your roof, this insurance can help pay for repairs. 

Personal Belongings Coverage 

Personal belongings coverage provides compensation for your personal items that are damaged or destroyed due to fire, lightning, smoke, theft, vandalism and more. There are two types of  

Personal Liability 

Liability insurance covers bodily injury and property damage someone else may suffer on your property. For example, if one of your children breaks a guest’s tablet, you could be held responsible for replacing it. Liability insurance can help with the cost and protect you from a lawsuit. 

Additional Living Expenses 

Additional living expenses provide monetary assistance in case you have to temporarily move when the home is rendered uninhabitable after a disaster. 

How is Home Insurance Calculated? 

Home insurance premiums are primarily calculated based on how likely you are to file a claim. The more likely you are to file a claim, the more you may pay for home insurance. Factors that may influence your home insurance premiums include your location, total replacement cost value of your home, coverage limits, claims history, credit score, deductible and more. 

Be sure to speak with an insurance agent to find out how much you can save on home insurance. 

Protect Your Home Today 

Protect your home with the policy it deserves. Call Akin and Associates, Inc. at (256) 355-8500 
or fill out an online quote form  to get started today. 

Common Home Insurance Questions 



How Far in Advance Can I Buy Home Insurance? 

In general, you should purchase home insurance by the time you sign on your new home. Having home insurance before you step foot inside your home and guarantee coverage before you ever move. 

How Much Does Home Insurance Cost? 

The cost of home insurance varies depending on your location, credit score, claims history and other factors. Fill out a quote form to find out how much you can save on home insurance. 

Why is Home Insurance Important? 

Home insurance is crucial for protecting your home, family and belongings in case of an accident or disaster. Without the right home insurance policy, you could face expensive repairs or total rebuilding of your home all out of pocket. 


We serve Cullman, Decatur, Priceville, Harstelle, Moulton, Madison, Huntsville, Town Creek, Courtland, Faulkville, Vinemont, Hillsboro, Athens, Rogersville, Hanceville, Arley, Addison, Eva, Union Hill, Somerville, and the surrounding communities in Northern Alabama.

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Serving the Decatur, Priceville and Cullman Areas
Main Office:468 Highway 67 S. | Decatur, AL 35603
Call or Text Us: (256) 355-8500 | Fax: 256-355-8544
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