Insurance Insights for Alabama
Alabama Insurance Blog
Honest answers to the insurance questions Alabama families and businesses actually ask. No fluff, no sales pitch—just the truth about what works and what doesn't.
Feb 8, 20268 min
Contractor Insurance
5 Contractor Insurance Mistakes to Avoid
New contractors make costly insurance mistakes: skipping workers comp, buying minimum GL limits, forgetting equipment coverage. Learn what you need before bidding your first job.
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Feb 8, 202610 min
Contractor Insurance
COI Requirements for Contractors | Guide
What is a Certificate of Insurance? Learn what contractors need to know about COI requirements, how to get one, what it includes, and common mistakes.
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Feb 8, 202612 min
Contractor Insurance
Workers Comp Audit Guide | Contractors
Workers comp audits don't have to be scary. Learn what to expect, how to prepare, and how to avoid surprise bills at renewal.
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Jan 28, 20267 min
Auto Insurance
What Happens If You Hit a Deer in Alabama? Insurance Coverage Explained
Alabama has one of the highest deer collision rates in the nation. Learn what coverage pays for deer damage, how claims work, and whether your rates go up.
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Jan 25, 20268 min
Home Insurance
Birmingham Tornado Season: What Your Insurance Actually Covers
Tornado season peaks in March-April in Alabama. Most homeowners don't know what's covered vs. not covered. Here's the truth about tornado damage claims.
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Jan 22, 20266 min
Home Insurance
Alabama Hail Damage Claims: Why Most Get Denied (And How to Avoid It)
Alabama averages 4-6 major hailstorms per year. Insurance companies deny 40% of hail claims. Learn the documentation you need BEFORE filing.
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Jan 19, 20269 min
Flood Insurance
Do I Need Flood Insurance in Birmingham? (Probably Yes)
20% of flood claims come from low-risk zones. Birmingham's flash flooding risk is higher than most realize. Here's how to assess your actual risk.
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Jan 16, 20267 min
Auto Insurance
Alabama's Minimum Car Insurance: Why It's Not Enough
Alabama requires only 25/50/25 coverage. One serious accident can bankrupt you. Real examples of why minimum coverage fails Alabama drivers.
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Jan 13, 202610 min
Home Insurance
Mobile Bay Hurricane Insurance: What You Must Know Before Storm Season
Mobile Bay faces hurricane risk every year. Standard homeowners policies have major gaps. Learn what's covered, what's not, and how to fill the gaps.
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Jan 7, 202611 min
Business Insurance
Small Business Insurance in Alabama: What You Actually Need (Not What Agents Sell)
Most Alabama small businesses are either over-insured or dangerously under-insured. Here's the coverage you actually need based on your industry.
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