You are not required to have home insurance if you own your home. Mortgage lenders make home insurance mandatory. At The Mitchell Agency LLC in Montgomery, AL, we understand the importance of home insurance in Alabama. We are an independent insurance agency and do the hard work of comparing policies and ensuring you have the best insurance. Our agency offers a variety of valuable coverage for both you and your home.
Property insurance covers the actual physical buildings. Things like the roof, walls, doors, and windows. It also covers porches, decks, sheds, casitas, and garages. Your policy has exclusions, so read it to know what isn't covered. You have a deductible on your coverage. You choose the amount of the deductible, and this is what you pay.
Liability coverage protects your assets from legal action and expenses associated with someone being injured while visiting your home or by a family member while away. The amount of coverage you need depends on the amount of assets you have.
Content coverage covers your personal property. The coverage is usually 50% of the property coverage, and you have two options for the type of coverage: replacement cost or cash value. It covers your property at home and while you have it with you away from home.
If your home is damaged so severely that you cannot occupy it, loss of use coverage will pay for you to have a place to stay and for meals if necessary. It provides peace of mind knowing that you will have a roof over your head while your home is being repaired.
Other endorsements can extend your coverage to things not included in your home policy.
Contact The Mitchell Agency LLC in Montgomery, AL to discuss your home insurance coverage or get a quote on our website.
Crystal Wilson was excellent to work with for my insurance needs! She took the time to figure out my needs and helped me get over twice the coverage for less than I was paying through another company I found through an online quote! I recommend her for all your insurance needs!
- Anthony T.
Initially they earned my business when I bid it out and they have certainly earned it since that time. They have responded very well to a tree falling on my porch and later replaced my roof on my home. Excellent to work with, friendly and very knowledgeable. I’d recommend The Mitchell Agency to anyone.....
- Richard T.
Hillary Jimenez was fantastic to work with! She was very responsive to any requests or questions I had and made the process move along quickly and smoothly. I would recommend Hillary and The Mitchell Agency to anyone looking for a new insurance policy or insurance information.
- Nathan H.
I am honored to give Tiffany alnd The Mitchell Agency, a 5 Star Review! I am retired and needed insurance that I could both afford and trust with my home and car. Throughout the process Tiffany listened and understood my situation and my needs. I am extremely happy with my coverage and the price, and I am happy to recommend her.
- Lucy L.
We recently bought a house and needed a fresh start. We switched from one of the major Insurance agencies and are so glad we did! We no longer feel like just another fish in the big pond. At the Mitchell Agency, you are treated like family! Paul Adams was great and helped get us set up with the best insurance plans for our needs. He is always quick to respond with informative answers when we have questions or need any information. I highly recommend The Mitchell Agency agency for all your insurance needs!
- Sara F.