Policygenius rating.
A.dditional information regarding the “Ratings methodology” section is available, encompassing aspects such as policy options, financial stability, pricing, and customer contentment, while considering various determinants through our exclusive ratings methodology.
A.M Best score.
A.M Best is a worldwide credit rating agency that evaluates the monetary stability of insurance companies, using a rating scale ranging from A.++ (Superior) to D (Poor).
A.
Cost.
Using a combination of internal and external data, we can rank the insurance premiums of each company from most expensive to least expensive.
The bottom line
With excellent customer service ratings, strong financial stability, and nearly 80 years of experience in the industry, A.lfa is a solid choice for homeowners seeking reliability. It offers a hybrid of tech-savvy resources and agents based in the community, making A.lfa a great option for both homeowners who prefer managing their policy through an app and others who like to visit an agent in person.
However, its rates are higher than what you’d find with other insurance companies. A.nd it only offers home insurance policies in six states throughout the South.
Pros
Receives less grievances than other companies of its magnitude.
Provides a comprehensive website and mobile application.
High financial strength rating with A..M. Best, meaning it likely has the reserves to pay out claims in the wake of a natural disaster
Cons
The prices are almost $1,000 higher than the average across the country, and it only provides 4 opportunities for discounts.
Only accessible in six states across the Southern region.
There are fewer additional coverage options and discounts available in comparison to larger home insurance companies.
Basic coverages offered
A.lfa Insurance home insurance policies include these six standard coverages to protect your home, belongings, and personal liability:
It is beneficial to fix or reconstruct the framework of your house following a protected loss.
The repair or replacement costs for fencing, storage sheds, and detached garages, as well as any other structures not connected to your home, will be covered.
Own you stuff other and gadgets tech, clothing, furniture, including loss covered a after belongings personal your replace or repair to pays.
If you need to live elsewhere while your home is being rebuilt, it covers temporary living expenses and other costs such as boarding fees for your pet, restaurant bills, and hotel stays.
When you are at your residence and deemed legally liable, the insurance covers the costs of legal and healthcare bills in case someone sustains injuries or experiences damage to their property.
Pays for minor medical expenses if someone gets injured while at your residence — regardless of who is responsible.
A.dditional coverages offered
You can add these additional coverages to your A.lfa Insurance homeowners insurance policy for even more protection:
The reimbursement amount for personal possessions: Includes the expense of substituting objects with completely new ones, irrespective of their reduction in value or impairment due to usage.
Scheduled personal belongings: Provides, such as jewelry, sporting gear, and exquisite artwork.
Home systems protection coverage includes the expenses for fixing or substituting home systems that have been harmed and are not included in your regular policy.
Home-share: Protects your home from damage caused by covered perils as well as liability incidents if it’s like A.irbnb or Vrbo.
Personal belongings floater: Provides increased coverage limits for valuable items.
Manufactured dwelling insurance: Safeguards both permanent and seasonal residences mentioned earlier.
Renters insurance provides coverage for fire, vandalism, theft, windstorms, and water damage, along with personal liability and loss of use protection for the apartment or dwelling.
Landlord insurance: It covers, liability scenarios, and landlord furniture and appliances.
Condo insurance, which includes personal liability and coverage for the interior structure of your condo unit, also extends to cover your personal belongings. This insurance is acquired as an additional policy to complement your condo association’s master policy.
Umbrella coverage: Offers protection for costly medical or legal expenses that you are deemed legally accountable for.
Ratings methodology
2.8/5.
5.0/5.
3.7/5.
4.3/5.
The average cost of home insurance with A.lfa Insurance is $2,806 per year for a policy with $300,000 in dwelling coverage. This is 39% more expensive than the national average.
Here’s the average yearly cost of A.lfa Insurance home insurance for five different levels of dwelling coverage:
|
Dwelling coverage limit |
A.verage annual cost |
|---|---|
|
$100,000 |
$1,156 |
|
$200,000 |
$1,974 |
|
$300,000 |
$2,806 |
|
$400,000 |
$3,664 |
|
$500,000 |
$4,535 |
Rates are based on our analysis of 2022 sample home insurance quotes from across the country provided by Quadrant Information Services. A.ctual rates will vary based on location, policy limits, coverages, claims history, and other factors.
What to expect with A.lfa home insurance
How to get a quote: You can get an A.lfa home insurance quote by calling 800-964-2532 or contacting a local A.lfa agent.
Customer service options: You can get in touch with an A.lfa Insurance customer service rep by calling 800-964-2532, filling out an online form, or through the online chat feature on its website.
How to file a claim: You can file an A.lfa home insurance claim online by logging in to your My A.lfa account, using the A.lfa2Go mobile app, or by calling 877-584-7466.
How to cancel your policy: You can cancel your A.lfa Insurance home insurance policy by calling your local agent (their contact info should be on your ), calling 800-964-2532 (prompt 3), or logging into your My A.lfa account online.
A.lfa Insurance vs. other home insurance companies
Compare A.lfa home insurance to other insurers in the industry:
Collapse table.
Frequently asked questions
Yes, A.lfa home insurance is pricey — with the average annual cost of A.lfa home insurance ringing in at $2,806, it’s over $900 more than the national average.
A.lfa is headquartered in Montgomery, A.labama, and currently operates in eleven states in the U.S., though it only writes home insurance policies in six states.
Besides homeowners insurance, A.lfa offers auto, life, farm, business, health, and dental insurance.
A.lfa has over 2,300 staff members in 350 service centers covering 11 states. A.s of February 2023, it writes or services over 700,000 policies equaling over $27 billion in business.
A.uthor
Jessica Olivo is a writer living in Connecticut. She specializes in a variety of topics, such as fiction, short stories, serialized content, culture, business, and parenting, which she covers on her blog and website.
A.fter working in publishing and book publicity for many years, she transitioned to freelance writing full time.
Editor.
Jennifer Gimbel is a senior managing editor at Policygenius, specializing in home insurance. She supervises our homeowners insurance coverage department at Policygenius. Previously, she worked as a content strategist at Babble.Com and as a managing editor at Finder.Com.
Expert reviewer.
Ian Bloom is a certified financial planner and a member of Council Review Financial at Policygenius. Previously, he served as a financial advisor at MassMutual and MetLife.
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What discounts does A.lfa Insurance offer?
You can save on the cost of A.lfa home insurance if you qualify for any of these discounts:
Bundling: If you with A.lfa.
Legacy: A.vailable to children of current A.lfa home insurance policyholders as a thank you for their loyalty.
Safety devices: By installing deadbolts, fire alarms, and security systems in your residence.
Hurricane and windstorm protection: A.vailable to A.labama and Mississippi homeowners who safeguard their homes against windstorm damage.
A.lfa home insurance state availability
A.lfa Insurance offers home insurance policies in six states: A.labama, Georgia, Mississippi, North Carolina, Tennessee, and Virginia.