Alfa2Go icon

Alfa2Go

GET - In Google Play

View

Find an Agent

Find an agent near you in Alabama, Georgia, and Mississippi.

Search

What can we help you find?

Contact Us

Business Hours:
Monday - Friday: 6:00 AM - 10:00 PM CST
Saturday: 7:00 am - 9:00 pm CST
Sunday: Closed
​ Email Us
​ 1-800-964-2532
​ Online Chat

Get a Quote

Start your auto, life, or health quote with us today!

Home Insurance Home and Property Insurance Homeowner Insurance

Homeowners Insurance



Dad and son playing with water house.

Let's protect your home.

Your local Alfa® agent is ready to help you find the right coverage for your home and property.

What can a Homeowners Insurance policy cover?

Homeowners insurance includes primary coverages that help protect your home, property, and finances from covered losses and liability exposures.

House with icons of numbers showing different parts of the house.

First coverage icon.

Dwelling

Dwelling coverage helps pay to repair or rebuild your house and attached structures, such as a porch, after a covered loss.

Second coverage icon.

Other Structures

Other structures coverage helps pay for damage to detached structures on your property, such as a fence, garage, gazebo, or shed.

Second coverage icon.

Personal Property

Personal property coverage helps repair or replace belongings, such as furniture, clothing, electronics, and other personal items, after a covered loss.

Fourth coverage icon.

Personal Liability

Personal liability coverage can help protect you financially if you’re responsible for someone’s injury or damage to their property.


Additional coverage options are available for different home and property needs.

View All Home Insurance Coverages


Save on Homeowners Insurance

 

You may be able to lower your insurance premium by:

Icon of a car. Bundling your homeowners with another Alfa policy 

Icon of a shield. Securing your home with qualifying safety features 

Icon of a dollar sign. Choosing a higher deductible 




Homeowners Insurance FAQs

The cost of homeowners insurance depends on several factors related to your home and your chosen coverage. This can include your home’s location, construction, and value, among other things, as well as your claims history, selected coverages, endorsements, limits, deductible, and eligible discounts. An Alfa agent can help you understand your options and choose coverage that fits your budget.

Homeowners insurance generally covers storm-related damage from wind, hail, lightning, and fallen trees when caused by a covered event, such as a severe storm, tornado, or hurricane. However, homeowners insurance typically does not cover flooding from rising or external water, even when caused by a storm. Coverage, deductibles, limits, and exclusions vary by policy.

Homeowners insurance generally does not cover damage caused by flooding from rising or external water even when caused by a storm, normal wear and tear, pests, or maintenance-related issues. Coverage may also be limited for certain uses of your home, such as short-term rentals, which may require a separate policy or endorsement. Some situations, including mold, may be covered depending on what caused the damage. Because exclusions vary by policy, review your policy with an agent to understand your coverage and whether additional coverage may be needed.


Find your local Alfa agent

Alfie


Other Home & Property Insurance 
Icon of a for rent sign.
Renters Insurance
Icon of a house.
Landlords Insurance
Icon of an RV.
Manufactured Home Insurance


Recommended Articles