Gadsden Homeowners Insurance

Find the right homeowners insurance policy for you. Author Icon Written by Trusted Choice Author Icon
Written by Trusted Choice

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Gadsden is an Alabama town of over 35,000 residents. If you own a house in this historic southern city, you will want to be sure to protect it from threats like fire, theft, vandalism, and severe weather. What’s more, you will want to protect your assets from the costs of lawsuits if you are sued for something that happens on your property. A reliable home insurance policy is the best way to protect your investment.

An independent insurance agent in Gadsden can help you find the best home insurance policy for your needs. Independent agents can help you get quotes from multiple insurance companies so you can make the best choice for your needs and budget. 

Cost of Homeowners Insurance in Gadsden, AL

Alabama is the twelfth most expensive state for home insurance in the US. The average cost of homeowners coverage in Gadsden is lower than the national average, which is great news for residents of the city. But your rates may be more or less than average, so you still need to shop around for the best rates. 

  • National average yearly premium: $1,211
  • Alabama average yearly premium: $959
  • Gadsden average yearly premium: $1,174

Actual home insurance rates provided by your independent agent will be more or less than average, especially in a city like Gadsden where you can find a wide range of home values.

Home insurance rates are calculated on a case-by-case basis and are based on factors such as: 

  • The size of your house, the year it was built and the age of your roof
  • The estimated cost to rebuild your home (replacement cost)
  • Your history of filing claims and your credit score
  • Your coverage limits and deductible amount
  • Whether you are purchasing other policies (car insurance, life insurance) with the same insurance company

What’s more, every insurance company uses a different formula to calculate rates, so premiums vary from carrier to carrier. It’s important to shop around to find the policy and insurance company that best fits your needs and budget. 

Independent agents in Gadsden can help. Contact an agent today to get competitive quotes. 

Burglary Rate in Gadsden, AL

Gadsden has a very high property crime rate that is much 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 Gadsden: 20.10

Gadsden homeowners will want to take precautions to prevent thefts and break-ins. Be sure to lock your doors, keep your home well-lit, and make your house look occupied even when you aren’t at home. Home security systems serve as excellent theft deterrents. What’s more, many insurance companies offer discounts to policyholders who have installed burglar alarms in their homes.

If you are the victim of a burglary, your homeowners insurance company can reimburse you for lost and damaged possessions, as well as broken windows, doors, or locks. Be sure to call the police and your insurance company immediately if you discover a break-in. Keep a copy of the police report, too, because you’ll need it to file an insurance claim. 

And don’t forget, your independent insurance agent is there to help and advise you through the claims process. 


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Catastrophic Events in Alabama

  • Number of declared disasters in Alabama: 93
  • Most common reasons for disasters in the state: Severe Storms 
  • Average number of tornadoes per year in Alabama: 44
  • Average amount of property damage per year in Alabama: $670,506,000
  • 1 in 15 insured homes has a claim each year

Homeowners insurance is designed to cover you against a variety of hazards you face as an Alabama homeowner. Fires, severe weather, and break-ins can cause significant damage to your home, and without home insurance, you’d have to pay for repairs on your own.  One tornado can wipe out your entire property and leave you with nothing. An insurance agent can help you review your structure and contents coverage limits so you can be sure that they are high enough to enable you to rebuild, repair, or replace should the worst happen. 

Liability Insurance for Gadsden Homeowners

Your Gadsden homeowners policy protects you against certain types of lawsuits you could face as a homeowner. While the likelihood of being sued is pretty low, the liability insurance portion of your homeowners insurance becomes your financial lifeline if someone accuses you of negligence. Liability insurance covers expenses related to a lawsuit. These expenses include attorney fees, court costs, and even any damages you are required to pay if you are sued for a covered event. 

Your homeowners insurance policy responds to lawsuits related to third-party injuries that occur on your property, damage caused by your pets or children, accusations of libel or slander, and other acts of negligence by you or a family member.

Many homeowners supplement their homeowners liability coverage with a personal umbrella policy. It enables you to protect all of your assets if you were forced to pay out a sum in excess of the liability limits of your home or car insurance policy. An independent agent can help you assess your needs and explain more about your liability insurance options.

Second Home and Vacation Home Insurance

Many homeowners in Gadsden may also own a vacation home, cottage, or rental property. Any type of second home needs insurance coverage, and homes that do not serve as a primary residence often involve some additional risks. You may even find that your second home insurance is more costly than the coverage for your primary residence. 

Vacation homes are often left unoccupied and unattended for several months of the year. These homes are more susceptible to thefts, vandalism, break-ins, and property damage than homes that are occupied all year. Vacant home insurance can help give you peace of mind in these situations. 

If you have a rental property, your risk for liability claims and lawsuits is higher. Landlord insurance is typically necessary if you own a second home that is occupied by tenants. An independent insurance agent in or near Gadsden can help you find the best policies to cover all of your properties. 

Why Work with an Independent Insurance Agent?

Independent insurance agents make it fast and easy to find the best policy to cover your home. Because they aren’t tied to a single insurance company, they can help you comparison shop for the best coverage and most affordable rates for your needs. 

Find a local agent to start comparing customized home insurance quotes for your Gadsden home.

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