The Alabama Coastal Insurance Shopper’s Guide

This free guide features sections on the process of buying homeowners insurance, elements of coverage, flood insurance and even a Homeowners Comparison Checklist, as well as a “Top 10 Questions” to ask when buying insurance.

Download the Shopper's Guide

Why You Need the Shopper's Guide

ACIIR Director Lars Powell discusses the importance of the new Alabama Coastal Insurance Shopper's Guide and why homeowners need to start shopping for insurance.

Top 10 Questions to Ask About Your Homeowners Insurance

q1 How much coverage did you quote on my house and does this include detached structures (garage, workshop, etc...)?
q1 How much coverage is provided for my personal property (my stuff)?
q1 Are my contents insured for replacement cost or actual cash value (ACV)?
q1 Is my house insured for replacement cost or actual cash value (ACV)?
q1 Do I have sewer and water coverage?
q1 How much is my deductible in dollars? How about my wind deductible?
q1 Do I have (or did you quote) a separate Wind/Hail policy?
q1 Do I have coverage for Additional Living Expenses?
q1 How much Ordinance and Law coverage do I have?
q1 Do I have (or did you quote) a Flood Policy? What is my flood zone?
Download Insurance Questions

Produced By

The Alabama Center for Insurance Information and Research provides highly credible information and research insight for the benefit key stakeholders across the State of Alabama, including policymakers, the public, insurance companies, intermediaries, trade groups, and other parties who need information concerning the management risk. ACIIR is dedicated to providing facts and truths to parties who directly contribute to the economic development of Alabama. Learn more at @ALInsuranceCtr

Coastal Alabama Partnership’s vision is for Coastal Alabama to become a globally competitive destination recognized around the world as THE place to work, live, and play, because of the unique quality of life found in our region. Visit to learn more. @Coastal_Alabama

Smart Home America is a grassroots non-profit organization that seeks solutions to the challenges faced by our built environment. SHA partners with like-minded organizations and advocates for stronger building codes, building methods and policies to create more resilient communities. Learn more at @BuildResilient