Best Renters Insurance Companies in Huntsville, AL

Huntsville, AL Renters Insurance FAQs

• How much will a renter in Huntsville pay for insurance?

  Renters in Huntsville will pay, on average, about $31 a month. This is slightly less than the state average of $35. However, the actual cost of renters' insurance will depend on the zip code, deductible, and coverage limit. Renters can also save on costs by buying their auto and renter's insurance from the same company.

• Why does the insurance agent in Huntsville ask for some personal details when you ask for a quote?

  The insurance agent needs to know your details to determine your insurance score. Personal details include your age, name, date of birth, marriage status, and social security number. Your driver's license number and the names of the people you wish covered by the policy may be required. When you ask for a renters' insurance quote in Huntsville, the agent will also ask you what belongings you want covered and how much they cost.

• If your car gets damaged at home in Huntsville, does the renters' insurance cover it?

  Not really. Renters' insurance does not cover the cost of car damage, but car insurance will. For example, if your car in Huntsville has been broken into, the cost of repairing the broken window will be covered by your car insurance. If your laptop inside has been stolen, the renters' insurance will pay for the replacement of your laptop.

• In Huntsville, is there such a thing as retroactive coverage in renters' insurance?

  There is no such thing as retroactive coverage in renters' insurance. This means you cannot simply buy a policy after something happens and file an insurance claim to get such an event covered. For example, you cannot buy a policy after you lose your high-end mobile phone and file a claim to get the phone replaced. In Huntsville, the insurance policy is only effective after you purchase it.

• Is a policy period the same as a grace period in a Huntsville renters' insurance policy?

  No. A policy period is the time period during which the policy can provide coverage. On the other hand, a grace period is the amount of time the insurance company must give before they terminate coverage should the policyholder fail to pay the monthly premiums. In Huntsville renters' insurance, the policy period is usually a year, while the grace period is 30 days.