Homeowners Insurance

At Woodall & Hoggle Insurance Agency, we know what a significant investment your home is. We also know that owning a home comes with risks. To adequately protect yourself against these risks and be prepared for an accident, you need homeowners insurance. We are here to help you with homeowners insurance options to ensure adequate coverage.  

Do I Need Homeowners Insurance? 

If you mortgage your home, your lender may require you to carry at least enough insurance to cover the replacement cost of your home before they approve a loan. But even without a mortgage, you should consider homeowners insurance to protect your home and your belongings. 

What Does Homeowners Insurance Cover? 

Each policy is unique, offering various coverages depending on your needs. Here are some of the most common coverages: 

• Structure protection—This portion of your policy insures the physical structure of your home against damages caused by fire, theft, vandalism and other unexpected incidents. If you have structures on your property such as fences or detached garages, many policies also offer detached structures protection so you can insure those buildings as well.
• Possessions insurance—This portion of your policy protects the personal belongings in your home, such as furniture, electronics and clothes. Depending on the value of the items you want to insure, purchasing a scheduled items rider may be beneficial since many property protection policies only cover replacement or repairs up to a certain amount.
• Liability coverage—If you accidentally harm someone or damage their property, this coverage will help you repay that person. This coverage typically kicks in whether you are on your own property or somewhere else when the incident occurs.
• Additional living expense protection—This type of coverage helps you pay for living expenses such as hotel bills and meals if a covered event occurs in your home, making it uninhabitable for a short while. 

Depending on your needs, you may also add extra coverages to your policy. Some common additional policies include umbrella liability insurance, flood insurance and earthquake and windstorm endorsements. 

Get Covered Today 

Woodall & Hoggle Insurance Agency is committed to helping you find the perfect policy to fit your needs. Contact us today to discuss your homeowners insurance options.  

Contact Us Today 
Call us today at any of the locations listed below or fill out online quote.
Guntersville 256-582-2131
Boaz 256-593-7042
Huntsville 256-539-5307