The top-rated landlord insurance agent in Birmingham, Alabama is Freeway Insurance, rated 4.7 stars across 432 reviews. Other highly rated options include Alfa Insurance - The Vail Agency, Aaron Kidder - State Farm Insurance Agent, Burns Mitchell Agency: Allstate Insurance. This directory lists 23 landlord insurance agents serving Birmingham.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Freeway Insurance | 4608 Avenue W Ste D | (205) 386-5182 |
| 2 | Alfa Insurance - The Vail Agency | 2815 Greystone Commercial Blvd Suite 600 | (205) 980-9933 |
| 3 | Aaron Kidder - State Farm Insurance Agent | 1483 Gadsden Hwy #124 | (205) 655-6128 |
| 4 | Burns Mitchell Agency: Allstate Insurance | 5588 Apple Park Dr Suite 109 | (205) 749-4978 |
| 5 | Wiggins Insurance Agency | 5971 Chalkville Mountain Ln Suite D | (205) 853-6429 |
| 6 | Greg Armstrong - GEICO Insurance Agent | 1423 Gadsden Hwy Suite 109 | (205) 508-6077 |
| 7 | All American Insurance | 819 3rd Ave N | (205) 322-0311 |
| 8 | Miller Insurance Agency LLC | 120 19th St N Suite 2019 | (256) 936-4642 |
| 9 | Farmers Insurance - Mickey Berry | 200 Cahaba Park Cir Ste 112 | (205) 490-6000 |
| 10 | Diamond Assurance Group | 13521 Old Hwy 280 Suite 101 C & D | (205) 679-0068 |
Freeway Insurance provides landlord insurance agent services in Birmingham, Alabama, helping property owners secure coverage for rental dwellings. It offers policies designed to protect against common risks such as property damage and liability claims. The company assists clients in selecting appropriate plans and can manage policy maintenance as lease terms or property values change. Its services extend to various rental property types, including single-family homes, apartments, retail spaces, and restaurants.
Alfa Insurance - The Vail Agency serves Birmingham, Alabama, and the surrounding communities as a landlord insurance agent. It helps property owners secure coverage for rental dwellings, addressing liability and building protection. The agency evaluates each client's portfolio to determine appropriate policy structures. For a typical job, it reviews specific property risks and local market conditions to recommend suitable policy limits and deductible options.
Aaron Kidder - State Farm Insurance Agent in Birmingham, AL provides residential and commercial property coverage for landlords. The agency specializes in adding liability protection, loss-of-rent insurance, and dwelling structure policies tailored to rental properties. It serves landlords managing single-family homes, multi-unit apartments, and other leased residences. The company also handles policies for commercial sectors such as offices, warehouses, and food service establishments.
Burns Mitchell Agency: Allstate Insurance, based in Birmingham, AL, focuses on tailoring landlord insurance policies to protect rental properties and their owners. It also provides general insurance services for property owners managing residential investments in the area. The agency works to address the specific liabilities that come with leasing homes or apartments. As tornado season approaches in Alabama, it helps landlords review their coverage for storm-related damage and resulting loss of rental income.
With Birmingham's humid summers bringing sudden hailstorms, rental properties often face unexpected roof and window damage. Wiggins Insurance Agency helps Birmingham landlords evaluate coverage tailored to these regional weather risks, addressing liability and income loss from tenant vacancies. Matching policy options to each property's age and condition, the agency aims for practical protection suited to Alabama’s landlord-tenant laws. For a new rental property, the process typically begins with a walk-through inspection of the unit to assess its current insurable value and identify immediate hazards.
Greg Armstrong - GEICO Insurance Agent in Birmingham, AL is known for connecting local property owners with landlord-specific insurance policies. The company assists residential and commercial landlords in protecting rental income and property assets from common risks. They offer customized coverage that includes liability protection and building damage. In addition to basic property insurance, this agency provides an add-on service for loss of rental income during property repairs.
All American Insurance in Birmingham, Alabama, offers residential landlord insurance to property owners, covering rental homes and multi-unit dwellings. They also provide commercial policies for larger rental properties and apartment complexes throughout the Birmingham area. Their services include property damage protection, liability coverage, and income loss reimbursement. Clients can rely on them for consistent support between regular policy reviews, with follow-up assistance readily available when renewing or adjusting existing coverage.
Miller Insurance Agency LLC serves the Birmingham, Alabama area and the surrounding Jefferson County region as a Landlord Insurance Agent. It helps property owners secure specialized coverage for residential and commercial rental dwellings. The agency advises on policies that address property damage, liability protection, and potential loss of rental income. It assists local landlords with selecting appropriate insurance for single-family homes and multi-unit apartment buildings in the metro area.
Farmers Insurance - Mickey Berry serves as a dedicated Landlord Insurance Agent for property owners in Birmingham, Alabama. Its service range includes customized insurance policies designed to protect rental investments from common risks such as property damage and liability claims. Operating in a growing real estate market, the agency understands the unique challenges of landlording in an urban southeastern setting. Coverage options help safeguard income streams and assets. A specialty service it can add on is comprehensive vacant property protection, covering risks that arise when units sit unoccupied between tenants.
Diamond Assurance Group provides landlord insurance services tailored for property owners in Birmingham, Alabama. Its offerings include policy evaluations and customized coverage plans to address common rental property risks. The company also offers ongoing service plans designed to assist with policy updates and renewals throughout the year. Diamond Assurance Group serves a variety of rental properties, including single-family homes, apartments, retail spaces, and restaurants.
What Does a a Landlord Insurance Agent in Birmingham Cost?
Landlord insurance in Alabama typically costs between 15 and 25 percent more than a standard homeowners policy. For a single family rental in Birmingham, annual premiums often range from 800 to 1,500 dollars. Factors like property age, location, and coverage limits affect the price. This is general information and not insurance advice.
About landlord insurance agents in Birmingham
A landlord insurance agent in Birmingham Alabama helps property owners find coverage for rental homes and apartments. Alabama law does not require landlord insurance but mortgage lenders often do. Local agents understand risks like severe weather and tenant liability common in the Birmingham area.
Frequently Asked Questions
What does landlord insurance cover in Birmingham Alabama?
Landlord insurance typically covers the building structure, liability for tenant injuries, and loss of rental income. It does not cover tenant personal property. Alabama law does not mandate this coverage but it is strongly recommended for property owners.
Do I need landlord insurance if I have a homeowners policy in Alabama?
Yes, a standard homeowners policy often excludes coverage for rental properties. Using a homeowners policy for a rental could lead to claim denial. A landlord insurance agent in Birmingham can help you switch to the correct policy type.
How do Alabama landlord tenant laws affect my insurance needs?
Alabama law requires landlords to maintain the property in a habitable condition. If you fail to do so and a tenant is injured, your liability coverage becomes critical. An agent can help you choose liability limits that match your risk exposure under Alabama statutes.