Home Insurance in Dothan, AL
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Take Care of Your Home Insurance Shopping for Dothan, AL
Dothan, AL, is part of the larger Dothan metropolitan area. This total area has around 150,000 people in it.
The city of Dothan, AL, has only about 70,000 people in it. The homes in this area tend to have a higher value than those in the total metropolitan area, making this a critical financial asset that you want to protect.
According to the US Census Bureau. approximately 58.3% of people own their own houses. These houses average a total value of $157,600, with most people paying just over $1,100 on their monthly mortgage. While protecting these structures with home insurance in Dothan, AL, will cost you less than the state average, you can expect to pay more than the national average with most bills being around $2,200 a year.
Grading and Drainage
When a house is built, contractors grade the land so the water runs away from the house. Additionally, drainage features, like downspouts from your gutters, must be maintained to move water away from the house. You must make sure that you maintain this drainage and grading otherwise water can get into your basement and cause damage. Most standard insurance policies don't cover this type of damage.
Electrical Wiring
Many older homes don't have electrical wiring that can keep up with the electronics people use today. Additionally, modifications by homeowners can cause the wiring to fall out of code. A lack of proper grounding can cause issues like power surges, which most insurance policies cover. Issues with your outlets can also cause fires, which your policy will likely cover.
Roof Leaks
Wind, hail and rain can tear shingles off your roof. You may also have to replace flashing and vents. Damage like this can cause leaks, which your insurance policy usually covers.
HVAC Systems
You need to service your furnace and a/c pumps regularly. Failing to do so can cause a malfunctioning furnace, which can lead to damage to your house from exhaust coming into your home. Likewise, A/C units can also have issues with venting that can lead to fires. You can use VIU by HUB to find the best price on an insurance policy that will cover fires from malfunctions.
Maintenance Issues
When you look at your home, you can tell whether it has been maintained or neglected. With poor maintenance, you can have things like peeling exterior paint, crumbling masonry, makeshift wiring and plumbing issues. There might even be broken or damaged appliances inside. These can present risks that you are at fault for and that your insurance company might not cover.
Structural Problems
Damage to your floor joists, roof rafters or foundation can throw your home out of alignment. That can be a serious issue that lets water into your home and can cause more damage. Fortunately, some policies cover this type of damage.
Plumbing Issues
Leaks, drips and clogs are all plumbing issues you can encounter in your home. These can lead to rotting materials and mold. For instance, a leaking toilet can cause your bathroom floor to rot. This will require you to replace your entire floor and subfloor. If you don't keep up with your appliances, this is not something your insurance will cover.
There are a lot of home issues that your insurance will cover. To get the best rates on lifesaving home insurance in Dothan, AL, use VIU by HUB to compare your options.
This information is intended for general informational purposes only and is not intended to constitute legal advice.