Alabama Homeowners Are Looking for a Dependable Insurance Company

A Homeowners Insurance Policy (H03) provides coverage for single-family homes, duplexes and townhouses that are owner occupied. Our HO3 product provides coverage in the event of a disaster such as damage from theft, fire, wind and lightning. Alabama faces danger from natural disasters like tornados and hurricanes nearly every year. A Heritage homeowners insurance policy can provide the additional protection you need to recover after an event to let you focus on what matters most. Our goal is to help homeowners from Birmingham to Mobile and the beautiful Gulf Coast to feel at ease with their most valuable asset; their home.


Coverage for Personal Liability and Medical payments for Guests

Homeowners Insurance (HO3) Personal liability coverage Personal liability insurance provides coverage toward property damage and bodily injury to others for which you are legally responsible. If a guest in your house is injured from a fall or other mishap, you may be obligated to provide them with compensation. Heritage can also ensure coverage for accidents that happen away from your property which are caused by you or family members that live with you. Personal Liability covers legal defense funds and damages if you are in a law suit up to the limit of your liability coverage. Medical payments also come out of this fund.

Coverage for Additional Living Expenses (ALE)

Homeowners Insurance (HO3) Additional Living Expense (ALE) Loss of use coverage provides you with living expenses if your house is uninhabitable during the repair process after a covered incident. This covers temporary housing and meals while your home is being repaired after a natural disaster. Damage from wind, fire, or hurricanes are just some of the types of claims allowed under the ALE policy. Additional expenses such as moving costs, storage fees, and loss of income due to misplaced tenants may also be covered. This policy is essential as it ensures you will have food and lodging during the length of time it takes to repair your home.

Coverage for Personal Property and Valuables

Homeowners Insurance (HO3) Insurance Coverage for Other Structures Personal Property coverage allows for the Actual Cash Value payment for clothing, household furnishings, and other personal property up to specified limits in the event of a covered disaster such as wind or fire. The cost to replace all of the personal belongings that took years to accumulate is almost always higher than initially estimated. Be sure to take a careful inventory of your belongings when acquiring this policy, and include clear documentation of high value items. Heritage offers additional coverage options such as increased limits on jewelry, fine art and electronics as well as a replacement cost option on personal property.

Coverage for other Structures

Your Alabama Heritage homeowners insurance can also cover other structures on your property such as a free-standing garage or a pool cage when specified on your policy. Virtually any item including a garden shed or retaining wall, could be eligible for coverage, as replacing these items can be a significant expense. Additional coverage can be added for more expensive structures such as a pool house.


Contact your Alabama Heritage insurance Agent for coverage options

Contact your insurance agent to determine the levels of coverage that are right for you and to learn more about our Alabama home owners insurance (HO3) policies. Your home is one of your most valuable assets and your agent can help you determine the estimated cost to replace your home and its contents. If disaster strikes, you will be equipped with the information and support you need to recover. If you should need to report a claim, Heritage will be here for you 24/7 to process your claim quickly and efficiently. We offer our Platinum Preferred Savings Program to Alabama residents at no additional charge. Heritage Property and Casualty has a long history of compassionate customer service, and can be trusted to meet your every need.

This information is provided to you as an overview of our products and services. Consult your Alabama Heritage insurance agent to understand all of the provisions, limitations and exclusions that are part of a standard homeowners insurance policy in Alabama.

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