It is very important that you understand your home owners insurance policy. In Alabama there are several types of policies that are available to the homeowners. Most policies cover damage to the property as well as contents of the structure. Some policies will cover accidents that occur on the property but you will have to review your policy to confirm that. What is very important to know about Alabama Home Owners Insurance is that none of them cover hurricane or flood damage and most of them do not include acts of God either such as storm damage. Residents of Mobile should be very aware of this as they are often in a hurricane strike zone. Hurricane and Flood insurance can be purchased as separate policies and is encouraged, your home is your most valuable asset. Cities like Dothan will have lower cost hurricane policies available because of their location in proximity to the Gulf of Mexico. If you are a condo owner or an apartment resident it is also advised that you carry condo/renters insurance. This is a type of policy that will cover your personal belongings. Again, it is well advised that you make sure that these policies cover hurricane, flood or act of God. Many homeowners were in dismay after Katrina hit and they found out they were not covered. When purchasing a policy be very aware of the coverages and exclusions in your policy. Also it is well advised that you look over the deductible requirements of the policy. While many people have been encouraged to have high deductibles to keep their premiums down you must also consider if you can cover that deductible if any event should happen. Mobile home insurance is available in Alabama but special policies may have to be written due to location of the home. There are many ways to save on Alabama Home Owners Insurance. Consider purchasing a policy from a carrier that you have other policies through; often you can receive multiple policy discounts. Do not hesitate to ask a company for a discount due to your age, military service or disability. Often being a customer with a company for many years will entitle you to premium reductions. The bottom line is that when purchasing Alabama Home Owners insurance you need to be well informed. Know what the policy covers and does not, know your deductibles and ask for discounts.