Clear coverage built around your roof, rebuild cost, and risk
We price multiple coverage levels side‑by‑side and explain them in plain English. Expect straight talk on dwelling limits, deductibles, and how roof age affects claims. Bundle with auto insurance or align a condo with proper walls‑in coverage via condo insurance for additional savings and cleaner billing.
Most quotes in minutes using details you already know.
We validate rebuild costs and roof info so coverage matches reality.
From severe weather to small leaks, you get a live, local team.
Build a policy that mirrors real‑world risk
Dwelling (Coverage A)
Pays to rebuild the home itself after a covered loss. We estimate replacement cost—not market value—so materials, labor, and debris removal are factored in.
Other Structures (B)
Covers detached items like fences, sheds, and detached garages. Limits are often a percentage of Coverage A; we can adjust if you’ve added outbuildings.
Personal Property (C)
Protects belongings (furniture, clothing, electronics). Choose Replacement Cost (RCV) to avoid depreciation; Actual Cash Value (ACV) lowers cost but pays less at claim time.
Loss of Use (D)
Helps with temporary living expenses if your home is uninhabitable after a covered loss—think hotels, short‑term rentals, meals, and extra mileage.
Personal Liability (E)
Protects you if someone is injured or you cause property damage away from home. Higher limits help safeguard wages and savings.
Medical Payments (F)
Pays small medical bills for guests hurt on your property, regardless of fault. It’s a goodwill coverage that can help minor injuries go smoothly.
Wind/Hail Deductibles
In storm‑exposed areas, wind or named‑storm deductibles may apply, sometimes as a flat dollar amount or a percentage of the dwelling limit. We’ll model choices you can afford to pay tomorrow.
Water Backup
Adds coverage for damage from backed‑up sewers or drains and sump pump overflows—typically not covered by default. Consider adding if you have a basement or low‑lying plumbing.
Roof Age & Surfaces
Older roofs may get ACV settlements for wind/hail unless upgraded to RCV. Disclosing roof age and materials upfront helps us price accurately and avoid surprises.
Severe storms, tornado tracks, and occasional tropical impacts
Alabama and Georgia see spring and summer thunderstorms, tornado outbreaks, and, at times, tropical remnants that push intense rain and wind inland. Roofing and siding take the brunt, while lightning and surge can affect electronics. We tailor wind/hail deductibles, verify roof details, and confirm whether your personal property is covered at RCV or ACV so your plan matches the realities of our region.
Prefer a local touch? Many homeowners we serve are near Birmingham 35242 and Lawrenceville 30044, but our quoting process works anywhere in Alabama or Georgia.
Ways to reduce cost without underinsuring
Bundle home & auto
One account, fewer headaches, and meaningful multi‑policy savings. We’ll price both ways so you can see the difference.
Protective devices
Monitored security systems, smoke/CO detectors, water shut‑off valves, and leak sensors can reduce loss risk—and may qualify for discounts.
Newer roof
Updating an aging roof can improve insurability and pricing. Document materials and install date; some carriers favor impact‑resistant shingles.
Autopay & paperless
Set‑and‑forget billing helps avoid lapses and can trim premium. Paperless delivery keeps everything in one place.
Right‑size deductibles
Raising deductibles lowers premium, but keep them at a level you could comfortably pay after a storm. We’ll model a few options.
Home insurance questions we answer every day
How do wind/hail or named‑storm deductibles work?
These special deductibles apply to wind or hail claims (and sometimes only to named storms). They can be a fixed dollar amount or a percentage of your dwelling limit. Higher deductibles cut premium but raise what you’ll owe after a storm. We’ll show side‑by‑side options and help you pick an amount that balances savings with cash‑on‑hand.
What’s the difference between RCV and ACV for personal property?
Replacement Cost (RCV) pays what it costs to replace items with new ones of similar kind and quality (subject to limits). Actual Cash Value (ACV) subtracts depreciation for age and wear. RCV usually costs more but pays better at claim time. We’ll price both if you want to compare.
What documents do I need for a home quote?
Your property address, year built, roof age/material, square footage, and details on updates (roof, plumbing, electrical, HVAC). Prior insurance info and recent claim dates help us price accurately. Photos of the exterior and roof are useful but not required.
Which factors most affect home insurance price?
Replacement cost, roof age/material, claim history, credit‑based factors, location‑driven weather exposure, and the deductibles/endorsements you select. We can often soften price by bundling and right‑sizing deductibles—without hollowing out coverage.
Is water backup covered automatically?
Typically no. Water or sewer backup and sump overflow are usually excluded unless you add a specific endorsement with its own limit and deductible. If you have a basement or older plumbing, consider it seriously.
Will roof age change how a claim is paid?
It can. Some policies pay ACV (depreciated value) for older roofs on wind/hail claims, while newer roofs or certain materials may qualify for RCV. Accurate roof details let us align expectations before a storm, not after.
Real feedback from our community
“Lexi was very patient and helpful when I stopped by yesterday to ask multiple questions. She is truly an asset to your office!”
— Teresa Gardiner
“Customer service at Cody Coffey’s Center office is amazing, a lost art, a total delight. Give them 1000 out of 100 :). Friendly, knowledgeable. So grateful to have found them when moving to a new town.”
— Steve Smith
“I was with this agency for several years and had nothing but positive experiences with Cody and the other agents. When I had to move out of state, Kathy made it incredibly easy to end my Georgia policy and settle things up. I can't recommend them enough.”
— Ricky Salas