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.
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.
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.
Protects belongings (furniture, clothing, electronics). Choose Replacement Cost (RCV) to avoid depreciation; Actual Cash Value (ACV) lowers cost but pays less at claim time.
Helps with temporary living expenses if your home is uninhabitable after a covered loss—think hotels, short-term rentals, meals, and extra mileage.
Protects you if someone is injured or you cause property damage away from home. Higher limits help safeguard wages and savings.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
"Lexi was very patient and helpful when I stopped by yesterday to ask multiple questions. She is truly an asset to your office!"
"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."
"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."
Get a quote that fits your home, roof, and budget.