Alabama has an average of 44 tornados per year. If you live in Mobile, you'll want protection from all natural disasters. Tornado insurance can be included in some of your primary policies.
A local independent insurance agent can help find coverage for an affordable price. They work on your behalf and do the shopping for you. Connect with a local expert in minutes.
What Is Tornado Insurance?
When it comes to tornado insurance in Mobile, your home and auto policies may include coverage. It will depend on what your limits are and if you select adequate protection. If your policy has coverage for a tornado, it will provide insurance for the following:
- Your property: Personal belongings, your home, your car, and more can fall under replacement or repair when you have damage from a tornado.
- Your injuries: If you or a member of your household gets injured in a tornado, your policy should pick up the medical expenses.
- Additional living expenses: If you have to stay in a temporary home until yours gets fixed, this coverage will foot the bill.
Mobile, AL Tornado Insurance Claims
Tornadoes are a regular part of life. In Alabama, you can expect annual occurrences of storms and disasters. Mobile's tornado activity is 30% greater than the national average. Check out some facts about Mobile, AL, losses:
- Number of tornadoes annually in Alabama: 44
- Number of natural disasters in Mobile, AL: 27
- Mobile, AL, number of natural disasters caused by tornadoes: 6
If your home or vehicles get demolished by a tornado, the right policy is essential. You can adequately protect your assets by reviewing coverages. If you have a trusted adviser, they can help with insurance options.
Does Car Insurance Cover Tornados in Mobile, AL?
If you want to drive in Mobile, AL, you'll need to have the minimum required limits. Even with the regulated insurance, coverage for tornado damage will have to be added. The mandated amounts of car insurance you are supposed to carry are:
- $25,000 bodily injury liability for each person / $50,000 bodily injury per accident / $25,000 property damage liability per person
In addition to your limits of liability, comprehensive coverage will be necessary to have protection from a tornado in your policy.
- Comprehensive insurance: Pays for damage that doesn't involve colliding with another car or object. When you collide with an animal, or have a theft or tornado damage, you'll have coverage under comprehensive insurance.
Does Homeowners Insurance Cover Tornado Damage in Mobile, AL?
Tornadoes are classified as windstorms under your home insurance policy. Since coverage is automatic, you'll want to be sure your limits are high enough to replace or repair your property. In Alabama, 607,506,000 homeowners claims were paid in 2016 alone. For proper insurance, review the following coverages in your homeowners policies:
- Dwelling coverage: Covers the structure of your home. This is equal to the replacement cost of your home.
- Other structures coverage: Covers detached structures on your property, such as a shed or garage. This is usually 10% of your dwelling limit.
- Personal property coverage: Covers your personal belongings both inside and outside the home. This is normally 50% of your dwelling limit.
- Loss of use coverage: This pays for additional living expenses while your home is repaired from a covered loss. This is typically 20% of your dwelling amount.
- Personal liability coverage: Pays for legal and medical bills if you're held liable for injury or personal property damage to someone else. These limits are chosen by the insured and typically range from $100,000 to $1,000,000.
- Medical payments coverage: This is your first line of defense when a minor injury occurs on your property. It will pay for another party's medical bills, regardless of who is at fault. Coverage falls between $1,000 and $10,000.
How Much Is Tornado Insurance in Mobile, AL?
No matter where you live, insurance premiums will vary. The cost for tornado coverage in your Mobile, AL, home and auto policies will depend on numerous items. Carriers use a variety of factors to rate your insurance, such as:
- Driving record
- Claims history
- Credit score
- Value of your home
- Value of your vehicles
- Coverages selected
In Alabama, the average annual home insurance premium is $1,433. That's just slightly higher than the national average of $1,211. If you want to know your specific pricing, obtain quotes from a licensed agent.
How You Can Get Tornado Insurance in Mobile, AL
When you're searching for the best coverage at a fair price, consider using a professional. Tornado insurance is not a separate policy, but is instead included in or added to your existing insurance. An independent insurance agent can help find sufficient coverage for all your needs.
With access to several markets, you'll get a policy that fits. An independent agent will do the shopping at no cost so that you can relax. Connect with a local expert on TrustedChoice to get started.
TrustedChoice.com Article | Reviewed by Jeffrey Green
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