What Alabama Home Insurance Does NOT Cover

12 things Alabama homeowners insurance does not cover: floods, earthquakes, wear and tear, mold, sewer backup, and more. Learn why claims get denied and

What Alabama Home Insurance Does NOT Cover

12 things Alabama homeowners insurance does not cover: floods, earthquakes, wear and tear, mold, sewer backup, and more. Learn why claims get denied and how to fill dangerous coverage gaps.

What Does This Insurance Cover?

This type of insurance is designed to protect you from specific financial losses. In Alabama, the cost for this coverage can vary widely depending on your personal factors. For example, a standard policy might cost between $500 and $2,000 per year. It typically covers the essentials, but it's important to understand the exclusions. TCDS Insurance Agency can help you find a policy that fits your needs and budget.

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Ready to see how much you can save? Contact TCDS Insurance Agency today for a free, no-obligation quote. Our team will compare rates from over 50 top-rated insurance carriers to find you the best coverage at the most affordable price. Protect what matters most with the help of Alabama's 2023 Agency of the Year. It only takes a few minutes to get started!

What does Alabama home insurance not cover?

Standard home insurance excludes flood, earthquake, sinkhole, normal wear and tear, pest damage, and intentional damage. Separate policies are needed for flood and earthquake.

Is flood damage covered by home insurance in Alabama?

No. Flood damage requires a separate flood insurance policy through NFIP or private carriers. This is one of the most common and costly coverage gaps for Alabama homeowners.