Homeowners Insurance in Montgomery, AL
A homeowners insurance policy can shield you from substantial losses in case of accidents or damage to your property. At Varon Insurance, we’re dedicated to helping you find the policy that matches your coverage needs.
What Does Homeowners Insurance Cover?
Homeowners insurance often covers the following: 
- Replacement costs of your personal belongings, such as appliances, clothes, electronics and furniture, depending on policy limits
- Expenses related to third-party claims of causing bodily injuries or property damage
- Your home’s repair or rebuilding costs after a fire, vandalism, theft and certain types of natural disasters
- Additional living expenses like meals, accommodation and other necessities if a covered peril forces you to move out of your home
Is Home Insurance Required?
Alabama state law doesn’t require homeowners insurance. However, your lender may ask for proof of a policy if your home is under a mortgage. Additionally, homeowners associations are allowed to impose insurance-related requirements.
How Much Does a Policy Cost?
Several factors can affect the cost of a homeowners insurance policy. These may include:
- Property value
- Location
- Claims history
- Exposure to risks (e.g., fires, natural disasters, crime, etc.)
- Credit score
- Coverage limits and selection
- Deductible
There are multiple ways you may be able to lower your insurance premiums:
- Bundle your homeowners and other policies (e.g., auto) under the same carrier.
- Select a higher deductible.
- Install protective measures, such as storm shutters, fire alarms and security systems.
- Improve your credit score.
Where Can I Purchase a Home Insurance Policy?
If you want to learn more about your homeowners insurance options, we’re here to help. Contact Varon Insurance to request a personalized quote.