Mobile Homeowners Insurance

The Gulf Coast is a desirable area to live in, and the city of Mobile, AL, is no exception. In fact, many families plant roots in Mobile and take pride in knowing about the city's rich history. As the third-largest populated metropolitan area in Alabama, Mobile has friendly communities and offers everything from oceanside excursions to beautiful parks for residents to enjoy. 

But homeowners still face risks, and Mobile's location in the South and along the coast presents various hazards to be aware of. Luckily, experienced and knowledgeable Independent insurance agents are available to assess your needs and find you a comprehensive, affordable policy.

• National yearly premium average: $1,211
• Alabama yearly premium average: $1,433

Do you know how your current home insurance rate was initially calculated? With a reliable agent, specific factors like your home's age, location, building materials, and even proximity to a fire station are taken into account when determining your rate, creating a personalized insurance plan and comprehensive policy, depending on your specific needs and risks. Let a local agent help you find the home insurance coverage you deserve at the price you want.

Second Home and Vacation Home Insurance

Mobile is a hot spot for vacations, city escapes, and weekend retreats. It's no surprise that many homes in the area are secondary or vacation homes for families and retirees near and far. Plus, its proximity to Florida and Mississippi offers an extra reason to purchase these alternative residences. But when you talk to an agent, you'll find that these homes are often exposed to greater risk because they're likely to often be vacant.

Number of Thefts in Alabama

• National average for burglaries: 3.76 
• Alabama average for burglaries: 5.9

If a home break-in happened right now, how would you and your insurance company respond, Would your homeowners policy provide the coverage you need? To make sure all your bases are covered and to be completely aware of the details in your specific insurance plan, partner with a reliable agent. You can rely on local agents when a burglary happens and won't have to play a guessing game about how or when you'll receive compensation for stolen personal property.

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Catastrophic Events in Alabama

• Number of declared disasters in Alabama: 93
• Most common reasons for disasters in the state: Severe Storms 
• Average number of tornadoes per year in Alabama: 44
• Average amount of property damage per year in Alabama: $670,506,000
• 1 in 15 insured homes has a claim each year

Homeowners insurance is designed to cover you against a variety of hazards you face as an Alabama homeowner. Fires, severe weather, and break-ins can cause significant damage to your home, and without home insurance, you’d have to pay for repairs on your own.  One tornado can wipe out your entire property and leave you with nothing. An insurance agent can help you review your structure and contents coverage limits so you can be sure that they are high enough to enable you to rebuild, repair, or replace should the worst happen. 

What Are the Risks in Mobile, AL?

Mobile sees its fair share of weather risks due to its geographic location. Because it's on the coast, Mobile can suffer devastating high winds and strong rain from hurricanes and ocean-related weather. Alabama can also see seriously hot summers, which can damage roofs and exterior siding. Be aware of the biggest hazards by discussing them with an agent.

Compare Mobile Home Insurance Quotes

Getting comprehensive and affordable homeowners insurance in Mobile is simple with an independent insurance agent. These agents will find you a policy that is personalized, so you can have peace of mind knowing one of your most prized possessions is fully protected.