Dothan Homeowners Insurance

Your Complete Guide to Dothan, AL Homeowners Insurance

(Find the right homeowners insurance policy for you.)

Dothan, AL is home to more than 65,000 people. Residents are attracted to this growing city because of its pleasant climate, low cost of living, cultural activities, and relatively low crime rate. If you own a house in Dothan, you will want to be sure to protect your investment with a reliable home insurance policy. When you are shopping for Dothan home insurance, ask a local independent insurance agent for help. 

Cost of Homeowners Insurance in Dothan, AL

Alabama is the 12th most expensive state for home insurance in the US. The average cost of homeowners coverage in Dothan is higher than the national average. But you can still shop around for the best rates for your unique needs.

  • National average yearly premium: $1,217
  • Alabama average yearly premium: $1,433
  • Dothan average yearly premium: $1,305

Insurance companies calculate rates based on each homeowner’s unique home, risks, and coverage needs. Homeowners insurance premiums are based on several factors, such as the age, size, and value of your home, as well as the crime rate and weather risks in your area. The amount of coverage you need, the deductibles you choose, and even your credit score impact your insurance rates. 

You can save money by bundling your home insurance policy with other policies, such as car insurance or life insurance. Local independent agents can provide quotes from multiple insurance carriers, so you can choose the policy that best fits your needs and budget. 

Burglary Rate in Dothan, AL

The property crime rate in Dothan is higher than the national average: 

  • Number of burglaries per 1,000 homes in the US: 3.76
  • Number of burglaries per 1,000 homes in Alabama: 5.9
  • Number of burglaries per 1,000 homes in Dothan: 6.68

All Dothan residents must take precautions to safeguard their homes from burglaries, break-ins, and vandalism. And if you have a break-in, you should be protected with reliable homeowners insurance. It will help you get back on your feet quickly by helping you pay for damage to your home, as well as repairing or replacing stolen or damaged possessions. Consider installing a home security system, too. Not only are burglar alarms the best deterrents for thieves, but having one may also earn you a discount on your Dothan homeowners policy.

Catastrophic Events in Alabama

  • Number of tornadoes  in Alabama in 2019: 95
  • Number of wildfires in 2019: 1,107
  • Alabama homeowner losses in 2019:  $911,000,000

Dothan is not immune to natural disasters. The most common causes of property damage in the area are severe storms and tornadoes. The property coverage in your home insurance includes both the structure of your home and its contents (your personal possessions). It is important that you purchase a policy with adequate coverage for both, so you can rebuild your home and replace your belongings should the worst happen. 

Liability Insurance for Dothan Homeowners

Homeowners insurance also provides policyholders with personal liability insurance. It covers the costs of lawsuits you may face as a property owner. Lawsuits can stem from any number of incidents, even those that seem fairly minor or simple. 

Some examples include:

  • Your dog bites a neighbor who is out for a walk.
  • A guest is injured after tripping on damaged flooring in your home.
  • Your child hits a baseball through a neighbor’s window.
  • You are accused of slander or libel after posting something online.

Homeowners with swimming pools or dangerous dog breeds face even greater liability risks. These homeowners need to pay special attention to their liability coverage and ensure it is sufficient. They may also have to pay more than average for home insurance. 

Second Home and Vacation Home Insurance

Do you own a vacation home on the Alabama coast or a hunting cabin in the country? If you own any kind of second home, you need appropriate insurance coverage to protect you from property damage and lawsuits. 

Any home occupied by tenants may need to be covered by landlord insurance, which addresses the specific liability risks associated with rental homes. Vacant home insurance may be necessary for vacation homes or other properties that are seasonally or permanently unoccupied. A local independent agent can help you determine what type of policy and how much coverage you need for a second home. 

Why Work with an Independent Insurance Agent?

Local independent insurance agents can help you find the best Dothan home insurance coverage for your needs. They can obtain quotes from multiple insurance companies so you can comparison shop with ease. 

Contact an agent in Dothan to get started.

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