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2024

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Best Homeowners Insurance Agencies in Hoover, AL

Our Recommended Top 5

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Hoover Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

53Reviewed

33Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

2225 Cahaba Valley Drive, Birmingham, AL 35242

Expertise.com Rating

Review Sources

Facebook
5.0 (10)
Google
5.0 (4)

Why choose this provider?

Legacy Insurance has a wide array of personal and business insurance solutions in Hoover. This company understands the value of well-protected homes and helps homeowners protect their financial security through comprehensive home insurance plans. Its insurance specialists aid in assessing potential risks and offer coverage packages tailored to homeowners' needs. This coverage includes compensation for liability exposures, property repairs, and theft. Legacy Insurance also offers coverage options for mortgages, beach homes, rental dwellings, secondary residences, and high-value homes.

  • Renter's Insurance
  • Multiple Policy Types
  • Condos

623 Bessemer Super Highway, Midfield, AL 35228

Expertise.com Rating

Review Sources

Yelp
5.0 (1)

Why choose this provider?

Located near Hoover, Acceptance Insurance provides homeowners policies for individuals and families in the city and throughout several states. This company employs more than 700 agents who are dedicated to helping clients find adequate coverage at affordable rates. In addition to homeowners' insurance, this agency also provides auto, pet, travel, and life insurance, as well as bundled policies that offer further financial savings. Agents offer basic assistance with claims, as well as detailed advice with regards to policy changes.

  • Renter's Insurance
  • Multiple Policy Types
  • Fire

3408 Lorna Ln, Hoover, AL 35216-5277

Expertise.com Rating

Review Sources

Google
4.7 (43)

Why choose this provider?

PAC Insurance Agency, Inc. is an agency that has been serving Hoover, Bessemer, and Roebuck for almost four decades. Its team of insurance representatives offers homeowners' insurance plans that match the financial needs of individuals and families. The plan is a package policy that covers legal responsibilities for any injuries at home and damages to the property caused by unexpected disasters such as fires, theft, and vandalism. The agency represents trusted carriers like Progressive, Travelers, National General, and Safeway Insurance.

  • Multiple Policy Types

320 Lorna Square, Hoover, AL 35216

Expertise.com Rating

Review Sources

Google
5.0 (82)
Facebook
5.0 (5)

Why choose this provider?

Mike Walker has been a State Farm insurance agent offering homeowners' insurance in Hoover since 2015. Walker helps property owners and renters protect their homes and personal properties in the event of disaster, theft, and vandalism. He also provides auto insurance, business insurance, life insurance, and health insurance, as well as additional coverage for fire, earthquakes, and other events that may not be automatically covered. Walker offers annuities through State Farm VP Management Corp.

  • Multiple Policy Types

1848 Crestwood Blvd, Irondale, AL 35210

Expertise.com Rating

Review Sources

Google
4.6 (115)
Facebook
5.0 (8)
Yelp
3.0 (2)

Why choose this provider?

Vivian Mora State Farm Insurance Agent is located near Hoover. Ms. Mora and her team make themselves available to clients by telephone 24 hours a day. They provide quotes and claims advice, ensuring that clients have access to the most up-to-date and reliable information about their insurance options. Vivian Mora State Farm Insurance Agent offers homeowners' insurance policies, as well as policies that cover clients' vehicles, businesses, health, and personal property.

  • Personal Property Insurance
  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Legacy Insurance
2225 Cahaba Valley Drive, Birmingham, AL 35242
Acceptance Insurance
623 Bessemer Super Highway, Midfield, AL 35228
PAC Insurance Agency, Inc.
3408 Lorna Ln, Hoover, AL 35216-5277
Mike Walker - State Farm Insurance Agent
320 Lorna Square, Hoover, AL 35216
Vivian Mora - State Farm Insurance Agent
1848 Crestwood Blvd, Irondale, AL 35210

FAQs

  • 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.
  • How can you increase your homeowner's insurance liability coverage in Hoover?

    Purchasing Hoover umbrella insurance is one way to increase the limit on your homeowners' liability insurance coverage. If a claim exceeds the liability limits of your home insurance, you will be able to obtain additional coverage rather than paying for it out of pocket. This policy will cover you and your family.

  • What is the role of replacement cost coverage in a homeowner's insurance policy in Hoover?

    Your Hoover homeowners' insurance policy may include replacement cost coverage, which pays the cost of replacing or repairing your home or other personal property without taking depreciation into account. If your home is damaged by a covered loss, this coverage will pay for the full cost of repairing or rebuilding it with comparable-quality materials.

  • Is your personal watercraft covered by your homeowners' insurance policy in Hoover?

    Even if you store your personal watercraft in your garage or other detached home structures in Hoover, your homeowners' insurance policy may provide limited coverage for it. You should check with your insurer to see if you have enough coverage for your watercraft in the event of an accident. Furthermore, if you purchase watercraft insurance, you will be protected against property damage and theft.

  • What is the average cost of homeowners' insurance in Hoover?

    The average annual cost of homeowners insurance for Hoover residents is between $888 and $1,206, or between $74 and $100 per month. This policy should be sufficient to cover replacement costs, your liability, personal property, the dwelling structure, and any detached structures from your property, such as sheds and garages.

  • Do you still need homeowner's insurance if you rent your home in Hoover?

    To rent out your home in Hoover, you must have a specific type of homeowner's insurance policy known as a dwelling fire policy. This coverage is required for any properties that you do not occupy or that do not meet the homeowner's insurance requirements. Dwelling insurance can cover property, liability, personal injury, and loss of rental revenue.

  • 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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