Enterprise Homeowners Insurance

Your Complete Guide to Enterprise, AL Homeowners Insurance

(Find the right homeowners insurance policy for you.)

Enterprise, AL is home to more than 25,000 people. Residents here enjoy a moderate climate with occasional severe weather. If you own a house in this Alabama city, you will want to be sure to protect your investment with a reliable home insurance policy. When you are shopping for Enterprise home insurance, ask a local independent insurance agent for help. 

Cost of Homeowners Insurance in Enterprise, AL

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

  • National average yearly premium: $1,217
  • Alabama average yearly premium: $1,433
  • Enterprise average yearly premium: $1,417

Of course, your homeowners insurance premiums may vary from the average cost in your city. That’s because rates are determined according to your unique home and coverage needs. Insurance companies calculate individual home insurance rates based on:

  • The age, size, value, and building materials of your home
  • Whether the property is your primary residence or a second home
  • The type of home you are insuring (e.g., detached single-family house, townhouse or condo, mobile home, etc.)
  • The crime rate and weather hazards in your city or ZIP code
  • Your claims history and credit score
  • The amount of coverage and deductible that you choose

Many policyholders qualify for discounts if they bundle multiple insurance policies with the same insurance company. Consider bundling your car insurance or life insurance with your home insurance in order to get the best rates.

Burglary Rate in Enterprise, AL

Enterprise has a property crime rate that 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 Enterprise: 6.48

No matter where you live, it’s important to take precautions to safeguard your home from burglaries, break-ins, and vandalism. And if you experience a burglary in your home, a reliable homeowners insurance policy can help you get back on your feet quickly. Home insurance helps 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 Enterprise homeowners policy. 

Catastrophic Events in Alabama

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

Enterprise 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 coverage for 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 Enterprise Homeowners

Homeowners insurance provides policyholders with liability insurance. It is designed to cover you for claims of negligence and lawsuits that you may face as a property owner. If your dog bites a neighbor, or a guest trips inside your home and is injured, you are likely to be expected to pay for medical bills or other expenses related to the incident. What’s more, these types of incidents often lead to lawsuits. 

Your liability insurance pays for the injured party’s medical expenses, as well as court costs, attorney fees, and any settlements or judgments levied against you. If you have liability risks beyond what your home insurance policy can cover, talk to an independent agent about how an umbrella policy can supplement your other coverage, and offer extensive protection of your assets if you are sued. 

Second Home and Vacation Home Insurance

Houses that do not serve as primary residences have additional risk factors that may make a traditional homeowners insurance policy insufficient. Special policies like landlord insurance for rental properties and vacant home insurance for unoccupied or seasonal homes offer better protection. But because of the varied and increased risks of second homes, this coverage may actually cost more than the coverage for your primary residence. If you are an Enterprise resident who owns a second home or a vacation home, a local independent agent can help you find the customized coverage you need. 

Why Work with an Independent Insurance Agent?

Independent insurance agents are available to help you with your personal insurance needs. A local agent can answer questions about coverage, get competitive quotes, and help you make an educated choice for the policy that meets your needs and budget. 

Contact an agent in Enterprise to learn more. 

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TrustedChoice.com Article | Reviewed by Jeffrey Green

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