top of page

Homeowner Coverage                                 and Discounts

Alfa® offers you the chance to choose the right policy for your needs while protecting your home and possessions.

​

  • HO-2: Dwelling Protection Policy - This policy is only available in Mississippi. This policy protects your home, your home contents, and other structures on a named peril basis.

  • HO-3: Homeowner Policy – This policy protects your home, its contents and other structures. This policy can cover many areas from fine china to your new television. It can even cover your pool and utility buildings.

  • HO-4: Renter's Insurance - You can insure your personal belongings if you’re a nonhomeowner, too. With Alfa’s choices, you’ll be able to cover your personal belongings at an affordable premium.

  • HO-5: Extra Homeowner Policy – This policy protects the same comprehensive range of items as an HO-3 policy, except that it offers extra replacement cost coverage for your home.

  • HO-6: Condominium Owner Policy –  This policy protects personal property and the portion of the condominium unit you own.

  • HO-8: Tenant Dwelling Policy - This policy protects your rental properties. This policy provides coverage for the dwelling, other structures, owner’s contents and loss of potential income that may arise if you are unable to rent your rental property due to a covered loss.

​

Personal Liability: 

 

Alfa’s personal liability insurance can protect you for covered acts that may legally be your responsibility. Coverage provides for the cost of defending lawsuits against you for a covered loss, up to policy limits. Medical payments are also covered for persons other than insureds who are injured while on or off your insured property, when you are responsible, up to the specified limits in the policy.

Additional Coverages:

Aside from the basics of protecting you and your home, certain items such as jewelry, fine artwork or firearms may be specifically insured. Optional coverages may provide protection for:

  • Replacement cost coverage for contents

  • Specific insurance for valuables

  • Increased residence premises liability limits

  • Additional premises liability

Please visit or call your local Alfa agent for more details.

 

 

*This is not an insurance policy. It is intended only to provide a general description of Alfa Insurance and/or its product lines and services. An actual policy contains the specific details of the coverages, conditions and exclusions.

​

​​

Several Alfa® policies offer the opportunity to lower your premium through discounts:

​

  • Burglar alarms, fire or smoke alarms, deadbolt locks and fire extinguishers may provide you with additional discounts to your premium.

  • Claims Free Discount - Be rewarded for your claims free record with Alfa.

  • Reduce your premium (when you insure your automobiles with us).

  • You may save even more through higher deductibles.

*Discount percentages may vary by state.

Premium discounts are available on homes fortified to better resist hurricanes and other catastrophic windstorm events. The discounts apply to new construction and existing homes. For eligibility requirements and details for homes in Alabama, visit the Alabama Department of Insurance’s website at http://www.aldoi.gov/Companies/ConstructionStandards.aspx and for homes in Mississippi visit the Mississippi Department of Insurance’s website at http://www.mid.ms.gov/mitigation/mitigation.aspx .

 

​

Save up to 20% with the Legacy Discount*

 

At Alfa, we believe in providing outstanding service to our customers. We also believe there is nothing more important than family. That is why as a loyal customer, you have set the groundwork for your kids to save up to 20 percent on their property insurance through the Legacy Discount Program. Whether they rent or own, they could qualify for big savings.

 When your kids are just starting out on their own, it’s important to make every penny count. Alfa’s Legacy Discount is open to dependents 30 years old or younger — meaning you’ll be able to set them up on a path to savings with a company you’ve trusted with your auto, home and life insurance needs.**

Rewarding longtime members of the Alfa family with our continuous service discount is a benefit we’re proud to offer, and we look forward to extending that discount to your children through the Legacy Discount Program.

 

 

*Available in Alabama only

**To qualify, parents must have auto and home insurance with Alfa. 

Please visit or call your local Alfa agent for more details on these discounts and to find out if you are eligible.

*This is not an insurance policy. It is intended only to provide a general description of Alfa Insurance and/or its product lines and services. An actual policy contains the specific details of the coverages, conditions and exclusions.

bottom of page