From kitchen fires to hurricane winds—we help you prepare for the unexpected.
Protect Your Home with Insurance That’s Built for Alabama Living
Your home isn’t just your biggest investment—it’s where life happens. That’s why we offer coverage that fits the real risks Alabama homeowners face, from storm damage to everyday accidents. We’ll explain your options, compare policies, and help you choose what’s right for your home and your budget.
What’s Covered? Let’s Break It Down
Real Protection for the Place You Call Home
We tailor homeowners insurance to the way you live, whether you're in a starter home, a country house, or a long-time family property. Here’s what your policy can include:
Dwelling Coverage
Pays to repair or rebuild your home after a covered loss—like fire, wind, or hail.
Personal Property
Covers your belongings, from furniture and clothes to electronics and kitchenware, whether they’re damaged or stolen.
Liability Protection
Helps with legal costs if someone’s hurt on your property and it’s determined to be your responsibility.
Loss of Use
If your home becomes unlivable after a claim, this helps cover temporary housing and expenses.
Other Structures
Protects things like sheds, detached garages, or fences that aren’t part of your main house.
Why Choose Schutz for Home Insurance?
Independent, Experienced & Always On Your Side
As an independent agency, we shop multiple carriers to find you the right coverage at the right rate. We know Alabama’s weather, housing, and claims process—because we live here too. You won’t get a call center or confusing quote sheet. You’ll get a local agent who’s ready to answer your questions and walk through every detail with you.
Add-On Coverage Options
Flood Insurance (separate policy)
Essential for Alabama homes near rivers, creeks, or flat land.
Scheduled Personal Property
Extra protection for high-value items like jewelry, firearms, or collectibles.
Water Backup
Covers damage from sump pump failures or backed-up drains—not included in every base policy.
Identity Theft Protection
Add-on coverage that helps recover stolen data and money if you're targeted.
Frequently Asked Questions
How much homeowners insurance do I actually need?
We’ll help you calculate what it would cost to rebuild your home—not just its market value—so your coverage keeps up with construction costs.
Is flood damage included in my homeowners policy?
No—flood insurance is a separate policy. We can add it on if your property’s in a high-risk area or you want extra peace of mind.
What affects the cost of my homeowners insurance?
Your location, the age and build of your home, your coverage limits, deductibles, and even your credit score can all play a part. We'll go over every factor with you.
Can I bundle home and auto insurance?
Absolutely—and it often saves you money. We’ll compare bundled vs. separate quotes and explain both.
How do I file a claim if something happens?
Call us. We’ll walk you through it step-by-step, connect you with your carrier, and help make sure everything runs smoothly.