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Best Homeowners Insurance Agencies in Mobile

2024

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Providers

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Website
3700 Government Boulevard, Mobile, AL 36693
  • Renter's Insurance
  • Condos

Why choose this provider?

Bailey Agency Inc. is a homeowners' insurance agency located in Mobile. The company works with multiple insurance carriers, including Travelers, Nationwide, and Foremost Insurance Group, to offer custom insurance plans. Its home insurance policies provide coverages for the loss of personal property due to theft and fire, injury liability, and structural damage. Homeowners may opt for higher policy limits. Bailey Agency also carries auto, condominium, and renters' insurance. Owner Judy C. Bailey has been in the industry since typewriters existed.

License Verified:

License: 564331

Alabama Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.6 / 5 (22)
Facebook
5.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
210 Commerce Drive, Saraland, AL 36571
  • Homeowners

Why choose this provider?

Kelly DeFord is a Southern Insurance Professionals agent that offers risk management solutions for Mobile residents. Included in her line of products is homeowners' insurance, which protects clients' properties and personal possessions such as furniture and clothing. DeFord has access to policies from a number of carriers—including The Hartford, Zurich, MetLife, and National General—allowing her to provide homeowners with a range of options. She has been working in the insurance industry for more than 20 years.

License Verified:

License: 42003

Alabama Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Facebook
4.8 / 5 (93)
Google
5.0 / 5 (3)
Yelp
1.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
2558 Old Shell Road, Mobile, AL 36607
  • Homeowners

Why choose this provider?

Makeda Nichols is a State Farm insurance agent from Mobile. She provides homeowners' insurance policies that help financially protect homes and families against certain natural disasters, fire, theft, vandalism, and other threats. The insurance plan pays for the repair or replacement of the residential structure, items not permanently attached to the home, and personal property. Makeda assists clients in determining how much coverage they need and understanding policy coverage limits. Her staff is fluent in English, Croatian, French, German, Russian, and Spanish.

License Verified:

License: 19218

https://sbs.naic.org/solar-external-lookup/lookup?jurisdiction=AL&searchType=Licensee&entityType=IND&licenseNumber=19218

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (27)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
2.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
119 S University Blvd, Mobile, AL 36608-3069
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

Rebekah Brown is a State Farm insurance agent who offers coverage for homeowners in Mobile. At State Farm, clients remain covered from costs for a damaged home's repairs and replacements even when they are away on vacation or errands. The company's policies also include coverage from hazards from natural disasters like lightning to sudden instances of theft or vandalism, as well as the cost of damaged belongings like keepsakes and appliances. With more than two decades of experience in State Farm, Rebekah also provides business or commercial, life, and renters' insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (195)
Facebook
5.0 / 5 (107)
Yelp
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
7875 Moffett Road, Semmes, AL 36575
  • Renter's Insurance
  • Homeowners
  • Multiple Policy Types
  • Multiple Carriers

Why choose this provider?

E-Z Insurance Agency, LLC, offers property damage coverage for homeowners in Mobile. It provides policies that cover damages from fires, theft, and vandalism, from the cost of home repairs to a client's lost items. The policies also include liability protection and medical coverage for guests injured within a client's property. The family-owned agency also counsels clients on the scope of their coverage, what other coverages can complement a homeowner's insurance, and the process of filing a claim.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.5 / 5 (75)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • Does Mobile homeowners insurance provide coverage for home theft?

    The personal property coverage of homeowners insurance policies in Mobile covers losses brought on by theft. This also indicates that your house insurance will cover any damage caused if an intruder enters your home and detaches structures or steals valuables. The maximum amount of your personal property coverage will depend on a percentage of your dwelling coverage.

  • Does Mobile home insurance cover mold-related damages?

    Your homeowners insurance in Mobile would probably cover the damage if the development of mold is a result of a covered loss under your policy, like a washing machine that breaks unexpectedly. On the other hand, your homeowners policy probably won't offer protection if the mold was caused by a flood because floods are not often covered by homeowners insurance.

  • How are your home insurance rates in Mobile calculated?

    In Mobile, the cost of your homeowners insurance is determined by a number of variables, including the size and age of your home, the amount of property and liability coverage you are interested in buying, the risk of weather and crime in your ZIP Code, your history of insurance claims, your credit score, and whether you are eligible for any available discounts.

  • When are buyers of homes in Mobile exempt from paying for homeowners insurance at closing?

    Homebuyers in Mobile are exempt from purchasing homeowners insurance if they are paying for the full property in cash, don't need a mortgage, and don't expect to need assistance with repairs in the event of a disaster. Even if you can afford to buy the entire property, you should still acquire homeowners insurance since it can help you safeguard your investment in your residence in the event that an insurance-covered event results in damages.

  • Can water damage be covered by home insurance in Mobile?

    Your homeowners insurance coverage in Mobile may cover any resulting water damage if the cause is abrupt and unintentional, excluding floods. Water damage is typically not covered by home insurance if its origin is gradual and avoidable, such as wear and tear or improper maintenance. For instance, damage due to a leaking rusted pipe or a missing shingle on the roof is probably not covered by insurance.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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