Understanding Home Insurance Requirements in Jasper, AL

While no state laws in Jasper, AL necessitate homeowners to obtain a home insurance policy, such insurance becomes essential if you finance your home with a mortgage. Before the property transaction concludes, your lender will require you to buy home insurance. This policy must remain in effect until the mortgage is fully paid off.

Minimal Home Insurance Requirements

Minimal requirements for home insurance vary by lender. However, the basic requisites overlap across various mortgage providers. Lenders commonly necessitate maintaining hazard coverage on the home. This coverage compensates if your abode sustains damage from inclement weather, smoke, fire, or vandalism. If your locale in Jasper is prone to flooding, your lender may mandate purchasing flood insurance. Liability coverage is also required to safeguard you if someone sustains an injury on your property and decides to press charges. This insurance catheterizes the injured party’s medical bills and potentially covers any legal expenses arising from a lawsuit.

Carefully review your coverage requirements to ensure you can find an appropriate policy at a reasonable price. Simultaneously, avoid settling for basic coverage—adding more facets to your home insurance can offer additional security, potentially saving you significant money in unforeseen events.

Contact Harris Insurance for More Information

At Harris Insurance, our mission is to help homeowners in Jasper, AL, evaluate their coverage options and find home insurance that meets their needs and budget. Contact us to learn more about your options or to secure a single policy or policy bundle.

Harris Insurance Discusses Insurance Coverage From Tree Damage

Trees enhance the beauty of residential property and provide shade that helps to lower energy costs. However, they can sometimes present a hazard when stormy weather or other conditions cause them to fall on structures or block access to areas of your property. Your homeowner’s insurance policy may help to defray some of the costs of tree damage. At Harris Insurance in Jasper, AL, we assist our clients in obtaining the insurance they need to safeguard against financially strenuous losses.

Common Situations of Tree Damage

Large tree limbs falling due to windstorms, lightning, or other conditions aren’t uncommon. Such incidences may result in roof damage, broken windows, and obstructed access to areas. If your tree suffers due to a peril covered by your policy, the resulting damage will most likely be covered by insurance. However, the event is typically not covered if the tree falls due to disease, rot, or age.

Your Deductible Still Applies

If a tree causes damage to your property, you’ll still be required to pay your deductible. However, if the damage exceeds the deductible amount, your coverage will usually apply to mitigate the additional expense of removal and repair of your home.

When Trees Fall on Others’ Property

In some cases, a storm or other issue may damage your neighbor’s trees, which may cause harm to your property. In such an instance, your own homeowner’s policy comes into effect to cover the removal and repair costs. If your tree falls on your neighbor’s property, their insurance takes effect to mitigate the costs caused by the tree.

Make Harris Insurance Your Agent For Homeowners Insurance

Our agents in Jasper, AL, can provide detailed information on the different types of homeowners insurance coverage available. Harris Insurance offers a broad range of insurance policies, including home, auto, RV, life, and business. Contact us today for a no-obligation quote on homeowners insurance that can help mitigate expenses when unexpected events occur.

As spring comes, so does tornado season in Alabama. You hope the worst doesn’t happen. But, should your house be totaled by a tornado, it needn’t be the end of everything. If you have the right insurance, it can even be an opportunity to start over. 

After a Tornado Hits

Keep an ear on the weather reports even after you think it’s over. Local news or NOAA Weather Radio will help keep you updated on tornado activity. Naturally, your family (found or natural) is going to worry about you, and you may worry about them. Texting and social media may be the most reliable means of communication. Once everyone’s safety is evaluated, you can assess the damage. Be sure to be appropriately dressed when walking through storm damage. Wear sturdy shoes, long pants, and a long-sleeved shirt. If you see a downed power line, call the appropriate authorities. Stay out of damaged buildings. If you find someone in need of help, render what aid you can and contact emergency response. 

Getting the Insurance Company Involved

While this is indeed a time-sensitive matter, do it as soon as you’ve done the above. Report the damage promptly to file a claim and receive financial help. An adjuster will be sent to your home to assess the damage before processing your claim. 

Contact Harris Insurance Serving Jasper, AL

Insuring your home is important before a disaster happens. If your home is in Jasper, AL, and you’d like to have it insured, please contact Harris Insurance. Our knowledgeable and courteous agents are dedicated to helping you find the perfect policy for your needs.