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McBride Benefit Solutions

407 S Court Street
Florence, AL 35630

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Alabama Homeowners with home insurance coverage

Home/Renters/Condo/Landlord Policies

Home Policies in Alabama

Owning a home is a big accomplishment and is widely considered one of the most significant investments you'll make in your lifetime. When you need a good insurance policy in Alabama, look no further than McBride Benefit Solutions, serving all of Alabama. Our team provides comprehensive protection for your home, belongings, and more.

What Does Home Insurance Cover?

If you have never had a policy for a house before, there are a few things to know. Most standard home insurance policies will cover four main areas of your home: the structure, personal belongings, liability, and additional living expenses. But we customize the policy depending on your specific needs and concerns to ensure you're getting the best protection.

Structure coverage protects the physical structure of your home, including the roof, walls, and foundation. This coverage can also extend to detached structures on your property, like a shed or garage. Personal belongings coverage protects your belongings if they are damaged or stolen. This includes furniture, clothing, electronics, or other vital items.

Liability coverage means protecting yourself should someone take legal action for an injury on your premises. Additional living expenses coverage helps to cover the cost of temporary housing if your home is uninhabitable due to a covered disaster.

Many people are first-time homeowners, so it's important to be aware of your options when selecting a policy. Whether you have questions about coverage or want certain aspects discussed in more detail, we're here to help. Our goal is for our customers to understand their policy and be comfortable with it.

Get More Information on Home Insurance in Alabama

At McBride Benefit Solutions, we are honored that you've considered an Alabama home insurance policy with us. We'll work with you to make sure that your policy meets all of your needs. Give us a call or stop by our office today for more information.

Renters Policies in Alabama

Renters insurance is a good investment because it protects your belongings if something happens. You can choose from a variety of options for protection here at McBride Benefit Solutions. If a fire or theft were to occur while you are living at your rental, your landlord would not be responsible for replacing anything. But, if you have an insurance policy, you can rest easy that you will be covered.

Renters Insurance Requirements

Renters' insurance is not legally required in Alabama. However, your landlord may require you to obtain it as a part of the lease agreement. Regardless, it is highly recommended to obtain.

Coverage Options

You can choose from a variety of renters' insurance coverage options including:

  • Personal belongings- It is vital to protect your personal items in the event of a break-in, hurricane, fire, or other peril. Don't undervalue your belongings. This will keep your electronics, clothes, and other personal items protected.
  • Loss of use- If your rental unit becomes damaged or destroyed and you are forced to leave your rental unit temporarily, this will assist you in finding a new place to live in addition to gas and storing your belongings.
  • Personal liability- This can protect your financial wellbeing if a visitor or another person is injured while on your property and you are at fault. This will cover their medical bills and legal expenses.
  • Medical payments- This covers minor injuries that may happen on your property. However, it doesn't have to be your fault for coverage to kick in. This coverage can be used for physical therapy, x-rays, doctor visits, and more in relation to the injuries.


Please contact McBride Benefit Solutions today to obtain a quote for renters insurance. We are located in Florence, AL.

Condo Policies in Alabama

You may think that your condominium association’s insurance coverage is enough but this only covers the condominium building and the association. Getting condominium insurance protects you against losses and repair costs, fire and water damage, theft, and many more.

Landlord Policies in Alabama

A landlord policy covers any physical damage to the home that’s caused by fire, weather or break-in. It will also cover any additional buildings such as a shed or detached garage. This type of policy is very important for landlords to have in place to protect their investment. In the event of a loss, it is important to know your home is taken care of and reduce the risk of losing the income from your investment property.

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Partner Carriers

  • Aetna
  • Aflac
  • Beazley
  • Chubb
  • Cigna
  • Colonial Life
  • Dearborn
  • Foremost
  • Guardian
  • Hagerty
  • Liberty Mutual
  • Mutual of Omaha
  • National General
  • New Era Life
  • Openly
  • Orion 180
  • Principal
  • Progressive
  • SafeCo
  • State Auto
  • The Hartford
  • Travelers