The average Alabama homeowners insurance policy will come with standard coverages automatically. Every Alabama home policy has a limit of protection for dwelling, other structures, personal property, medical payments, additional living expenses, and liability. These amounts of coverage are adjusted according to the value of your Alabama home and needs. Common exclusions under your home policy are floods, earthquakes, and terrorism. Some of these exclusions can be added back in for an additional premium, or a separate policy can be purchased.