Alabama Insurance Overview
Alabama's insurance requirements are straightforward, but understanding your options—especially for weather-related risks—is important.
Auto Insurance in Alabama
State Requirements
Alabama requires 25/50/25 liability coverage:
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $25,000 property damage per accident
Beyond the Minimum
Consider higher limits and optional coverages like collision, comprehensive, and uninsured motorist protection.
Homeowners Insurance in Alabama
Weather Risks
- Tornadoes: Alabama is in Tornado Alley's southern extension
- Hurricanes: Coastal areas face storm surge and wind damage
- Flooding: Separate flood insurance required
Coastal Considerations
Coastal counties often have:
- Separate wind/hail deductibles
- Higher premiums
- Limited carrier options
Renters Insurance in Alabama
Protects your belongings and provides liability coverage. Affordable and often required by landlords.
Next Steps
When you're ready to review your Alabama coverage, we're here to help—no pressure, no obligation.