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2024

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Best Homeowners Insurance Agencies in Montgomery, 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 Montgomery 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.

119Reviewed

73Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

3460 Eastdale Circle, Montgomery, AL 36117

Expertise.com Rating

Review Sources

Google
5.0 (101)
Facebook
5.0 (8)

Why choose this provider?

Kris Stallworth - STATE FARM ® INSURANCE AGENT is an insurance agency providing services to residents of Montgomery. It is led by Kris Stallworth, an insurance agent with over 15 years of experience. The agency specializes in homeowners insurance and focuses on providing convenient and compassionate services with a local presence. It offers a broad variety of insurance coverage options, such as health insurance, life insurance, auto insurance, renters insurance, business insurance, and financial services.

  • Renter's Insurance

441 North Eastern Boulevard, Montgomery, AL 36117

Expertise.com Rating

Review Sources

Google
4.3 (3)

Why choose this provider?

Kilgro & Associates Insurance Agency is a multi-coverage company that offers policies for homeowners in Montgomery. Whether by providing funds or replacement items, the agency covers damage sustained from natural disasters such as wind and lighting; sudden incidents of fire, theft, and vandalism; and liabilities such as injuries that have occurred on a client's property. Kilgro & Associates also offers renters' insurance for clients living in apartments to cover their possessions within their rented space. The agency's other policies include auto, flood, RV, and umbrella insurance.

  • Flood
  • Renter's Insurance
  • Multiple Policy Types

1712 Taliaferro Trail, Montgomery, AL 36117

Expertise.com Rating

Review Sources

Facebook
5.0 (2)

Why choose this provider?

Premiere Agency Network provides homeowners' insurance coverage and support services to clients in Montgomery and the surrounding areas. The types of homeowners' insurance policies depend on the type of residence the clients own and the kind of losses covered in the policies. For example, the company has a comprehensive policy that covers damage due to fire, hail, smoke, vandalism, and theft of personal property. The clients can also opt for policies that cover specific losses.

  • Renter's Insurance
  • Flood
  • Earthquake

2800 Zelda Road, Montgomery, AL 36106

Expertise.com Rating

Review Sources

Google
3.7 (6)
Facebook
4.6 (5)

Why choose this provider?

Randy Jones & Associates helps protect homes in Montgomery and the neighboring communities. The company is a homeowners insurance agency ready to assist owners in covering any damages to their property from any accidents that may occur. It offers landlords insurance, renters insurance, and homeowners liability. It also helps clients cover property insurance, condo insurance, and mobile home insurance. Randy Jones & Associates has insurance services that protect other properties such as in-home businesses, scheduled properties, and mobile homes.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

8210 Old Federal Rd, Montgomery, AL 36117

Expertise.com Rating

Review Sources

Google
4.0 (5)
Facebook
5.0 (2)
Yelp
5.0 (2)

Why choose this provider?

The Owen Agency of Montgomery, Inc., offers insurance plans to protect and secure a family or individual's property and assets. The company works with reliable insurance-carriers to develop a plan that is responsive to its clients' needs and financial background. Its agents are backed with six decades of combined experience in the industry, making them well-informed about how homeowners can maximize insurance plans to provide the most coverage. This insurance agency also offers condo owners and renters insurance.

  • Renter's Insurance

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Kris Stallworth - State Farm Insurance Agent
3460 Eastdale Circle, Montgomery, AL 36117
Kilgro & Associates Insurance Agency
441 North Eastern Boulevard, Montgomery, AL 36117
Premiere Agency Network
1712 Taliaferro Trail, Montgomery, AL 36117
Randy Jones & Associates
2800 Zelda Road, Montgomery, AL 36106
The Owen Agency of Montgomery, Inc.
8210 Old Federal Rd, Montgomery, AL 36117

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.
  • What are the factors that can affect the price of your homeowners' insurance rate in Montgomery?

    When you're purchasing homeowners' insurance in Montgomery, the price of your policy can vary depending on different factors, such as how much you want to cover and what types of coverage you choose to include in your plan. The rate will also change if you choose to set higher limits on your policy than the recommended amount.

  • What is the purpose of additional living expenses coverage in your homeowners' insurance policy in Montgomery?

    Additional living costs are a common aspect of homeowners' insurance coverage in Montgomery. It will pay for your living expenses, often up to four months' worth, if you can't live on your property due to a covered loss while the damage is assessed while your home is being rebuilt or repaired.

  • Is flood damage already covered in your homeowners' insurance policy in Montgomery?

    Flood damage is not covered in a homeowners' policy in Montgomery. It implies that in the event of flood-induced damage to one's residence, the responsibility for covering the costs of repairs would rest upon the homeowner rather than being assumed by the insurance provider. To prevent this from happening, you should add flood coverage to your homeowners' policy.

  • What are the covered losses included in a homeowners' insurance policy in Montgomery?

    In Montgomery, homeowners' insurance policies can protect you from damages due to fire or smoke, windstorm, hail, and theft. You will also receive compensation for water damage, except for flood-induced damages. In addition, your damaged personal possessions may be replaced, but you must create an inventory to ensure coverage.

  • What is the difference between an actual value and replacement value coverage in a homeowners' insurance policy in Montgomery?

    A replacement value coverage in homeowners' insurance in Montgomery pays the whole cost of reconstructing your home should it be destroyed. On the other hand, actual value coverage reimburses you for the market value of your home. It is advisable to choose replacement value insurance because you can receive the entire worth of your house without taking depreciation into account.

  • 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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