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Most Popular Coverages in Alabama

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Homeowners insurance provides a backup plan in case of loss or damage to a home. Whether it's a fire, high winds or a burglary, it's covered by a suitable homeowners insurance policy in Alabama. The policy will do the following: pay for repairs to the home and belongings inside it; pay for someone else's injuries of property damage when it's the policyholder's fault; and pay for temporary living expenses if a home is damaged so badly it's uninhabitable.

Alabama state law requires that all drivers have a certain amount of insurance just in case they cause an accident. If a policyholder is involved in a collision, or a non-collision incident such as car theft, car insurance provides collision and comprehensive insurance, liability, personal injury protection, bodily injury liability insurance, and uninsured motorist coverage.

Business insurance in Alabama will pay for damage to a building - this is called commercial property insurance. Business insurance will also pay for damage to business property - this is referred to as business personal property insurance. General liability covers damage to someone else's property as well as any medical bills. Alabama businesses can also be covered with commercial vehicle and worker's compensation insurance, which protect work vehicles and employees.

Worker's compensation insurance in Alabama covers work-related injuries and occupational illnesses. The policy pays medical bills, as well as mileage and wage reimbursement. If an employee’s dies as the result of the incident, worker's compensation insurance may pay death benefits to the surviving spouse and dependents. 

Restaurants in Alabama  need three basic types of insurance: property, liability, and employee coverage. Keep in mind that each type of insurance has sub-types of more specialized insurance depending on the type of restaurant and the services offered. Many restaurants have added policies for delivery and buffet services. Food spoilage is also a popular add-on policy for restaurants.

Depending on the policy chosen and the added coverage included in the policy, commercial auto insurance in Alabama can include the following coverages: bodily injury, personal injury, property damage, collision and comprehensive coverage, uninsured motorist coverage, and medical payments. There may be other options available depending on the type of business. Insurance companies offer policies tailored to the specific needs of businesses.

Insurance options for a hotel in Alabama can include the following coverages. General liability is mandatory and protects against lawsuits related to injury or property damage caused by the business. Things like food poisoning claims would also fall under this category. Worker's compensation covers the financial ramifications if employees become ill, get injured, or die from a work-related incident. Property insurance covers any damage to the hotel's physical building, as well as the property inside it. The type of cooking equipment used in the hotel's kitchen will contribute to the risk of fire damage, and may influence the cost of the policy. Coverage limits are typically $250 million per hotel location. Boiler & machinery, also known as "equipment breakdown insurance," covers electric equipment in the building that breaks down.

Umbrella insurance in Alabama works to extend and expand the existing liability coverage from homeowners and auto insurance policies to protect the policyholder, their home, and their future earnings and assets if someone sues them. This extra insurance raises coverage limits and covers the types of claims that homeowners liability cannot cover such as false arrest, certain types of dog bites, libel, and slander.

If a tenant rents a home in Alabama, having insurance protection for themselves and their possessions is still important. Similar to home insurance, renters insurance protects them in situations that anyone might face: fire, theft, water damage, and other unforeseen circumstances not covered by the property owner's landlord policy.

Life insurance is an insurance policy that is paid for before the policyholder passes away. There are many different types of life insurance policies available in Alabama. Some of the most popular types of life insurance are term life insurance, permanent life insurance, whole life insurance, universal life insurance, annuities, and no-exam life insurance.

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