As hurricane season approaches in Alabama, homeowners in Evergreen are thinking beyond emergency kits and bottled water—they’re making sure their homes are properly insured. Searching for homeowners insurance near me isn’t just about finding the cheapest rate. It’s about making sure you have the right protection when you need it most.

Here’s what every Evergreen homeowner should know before the next storm rolls in.

Understand What Standard Homeowners Insurance Covers

Most standard policies cover wind damage, falling trees and hail-related incidents—three of the most common issues during hurricane season. However, there’s a common gap many homeowners overlook: flood coverage. Flooding caused by rising water is typically not included in your basic homeowners policy and must be purchased separately.

A local agency like Horton & Associates can walk you through what’s included in your plan and help you fill in any gaps before it’s too late.

Know Your Deductibles

In Alabama, homeowners insurance policies often include a separate hurricane or windstorm deductible, which is usually calculated as a percentage of your dwelling coverage—not a fixed amount. This means you could be responsible for thousands of dollars out of pocket if a hurricane causes damage.

Before storm season begins, it’s a good idea to review your policy and confirm how much you’d be responsible for in a worst-case scenario.

Update Your Coverage to Reflect Home Improvements

Have you remodeled, added square footage or made upgrades to your home since you first bought your policy? If so, your current coverage limits may be outdated. A quick review with a local agent can ensure you have enough protection to rebuild or repair your home if it’s damaged during a storm.

Don’t Forget Personal Property Protection

From furniture to electronics and clothing, your belongings are also protected under your homeowners insurance—but only up to a certain limit. If you own high-value items like jewelry or collectibles, you may need additional endorsements to fully protect them.

Work With a Local Agency That Understands the Risks

At Horton & Associates, we’ve served Evergreen and surrounding areas for decades. Our team understands the weather-related risks Alabama homeowners face and can help you compare top-rated carriers to find the right coverage. As part of the larger Horton’s Insurance Agency family, we have access to multiple insurance providers, allowing us to tailor your policy for the best value and protection.

Don’t wait until a storm is on the radar—now is the time to make sure your home is storm-ready.