The Watts Insurance Agency

Call Us:  205-216-4960

Home Insurance

With a Home Insurance policy your home will be protected against damages or losses that result from fire, lightning, smoke, theft, vandalism, hail, wind, among many other causes. But you also have individual needs—unique to you and your home—that should be reflected in your policy.

​To meet these needs, we offer different levels of coverage. And, we give you options to tailor your policy by selecting among different available coverage limits, deductibles and optional coverages that fit your needs. For example, do you own specific high-value items like expensive computer, jewelry or stereo equipment? If so, you may want to insure them with an Optional Coverage. Contact us to discuss which coverage, limits and deductibles may be right for you.

Protect Your Home 
Dwelling Protection Coverage typically provides protection if your home is damaged by a sudden accident, such as fire, smoke, lightning, vandalism or theft, and hail, among other covered losses. With Dwelling Protection Coverage, your house and any attached structures, like an attached garage, would be protected.

Other Structures 
If you have a detached garage, fence, gazebo, barn, shed or any other unattached structure that is still part of your property, protect it against physical damages caused by sudden accidents. Other Structures Protection Coverage is similar to Dwelling Protection Coverage, except it covers those structures that are not physically attached to your house.

Personal Property 
Your home is more than just the walls of your house; it includes all of your personal belongings, big and small. Personal Property Protection provides protection against covered loss to movable property like a stereo, bicycle, furniture or clothing.

Family Liability
Family Liability Protection provides protection for insured persons who become legally obligated to pay for covered accidental bodily injury or property damage to others. This protection does not cover auto liability claims.

Medical Expense 
Guest Medical Protection provides protection for your guests, who are accidentally injured on your property as a result of a covered loss. This protection pays for the reasonable and necessary medical expenses they incur, regardless of who was at fault.

Loss of Use
If a covered loss occurs to your home and you’re forced to quickly find alternative housing, Loss of Use can help. If a direct physical loss makes your home uninhabitable, Loss of Use reimburses you for a reasonable increase in living expenses necessary to maintain your normal standard of living, up to the amount of time specified in your policy. This may include payments for the additional costs of a place to stay, food and/or other increased living expenses.

Optional Coverage: Scheduled Personal Property 
Scheduled Personal Property Coverage can give you increased protection for many items including, but not limited to, jewelry, watches, furs, stamp and coin collections, fine arts, cameras, personal computers and sports equipment. Ask us if Scheduled Personal Property Coverage is right for you.

Additional Optional Coverage: 
We have optional coverage available to help broaden the protection you receive on your Home Insurance policy. These include Increased Coverage on Securities and Extended Coverage for Jewelry, Watches and Furs. You can also receive protection for business property and certain technology investments. Contact us to find out more about increasing protection for specific items of value in your home