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Learn More About Insurance Plans in Birmingham, AL

If this is your first time buying insurance, you most likely have many questions. American Insurance Agency has helped clients in Birmingham, AL, find the right coverage since 1986. When you have questions, our agents always have answers. To make it easier for our clients, we’ve created a list of frequently asked questions. If you have questions about business, life, or property insurance, check our FAQ. 

Question

Does every homeowner have to have insurance? 

Answer

Not every homeowner has to have insurance. For example, you may have paid off your home and are not required by a lender to have an insurance plan. American Insurance Agency recommends that you have property insurance. 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. Having this type of protection is important, especially with an investment as valuable as a home. 

Question

What is medical payment insurance?

Answer

No matter who caused the accident, this type of insurance plan pays for doctor, hospital, and funeral expenses. It covers both you and any passenger in your car as well as pedestrians.

Question

What is a high-risk pool?

Answer

"High-risk pools" offer health insurance coverage to "uninsurable" residents whom private insurers might turn down due to 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.

Question

What is bodily injury liability insurance?

Answer

This insurance plan 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 and will cover both you and your family members. 

Do You Have Questions?

Finding the right insurance plan is easy with American Insurance Agency.

Call our office today if you have questions that were not answered in our FAQ.