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Does every homeowner have to have insurance?
homeowner insuranceNot every homeowner has to have insurance - for example, you may have paid off your home and are not required by a lender to have insurance - but every homeowner should. A homeowner's policy covers damage to the home itself and also provides liability protection if someone is hurt on your property and sues you. It makes sense to protect such an important and valuable investment with this kind of insurance.

What is bodily injury liability insurance?
liablility insuranceThis insurance pays in case you cause an accident in which others are injured or killed. This coverage will also help pay for your legal defense if suits or claims are brought against you. The people in which this type of insurance will cover is yourself and your covered family members.

 

What is medical
payments insurance?

No matter who caused the accident, this type of insurance pays for doctor, hospital and funeral expenses. It covers you and any passengers in your car. You and all covered family members are covered as pedestrians as well.

What is a high-risk pool?
"High-risk pools" offer health insurance coverage to "uninsurable" residents whom private insurers might turn down because of the status of their health. High-risk pools typically offer coverage similar to that sold by private insurers, but in some states, high-risk pool benefits are limited. For example, these programs might impose high deductibles or limit coverage for certain services such as mental health care, laboratory services, maternity care, or even diabetes supplies.
 
American Insurance Agency

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Independent Insurance AgentPIA NationalHave Your Insurance with AMERICAN,
or You May Be Paying Too Much

American Insurance Agency
438 Carr Avenue Suite 11
Birmingham, AL 35209

205-940-9977

American Insurance Agency
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