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Property Insurance

Strength and Stability for Your Home.

Your home is your sanctuary. It’s a dependable shelter that keeps you and your family safe, and it’s the place where memories are made. For most people, a house represents the biggest financial and emotional investment they’ll ever make. With the right Property Insurance plan, you can protect your investment and your personal property from whatever life throws your way.

Every Home Insurance policy is different, and at Kilgro and Associates, we’ll work with you to make sure that your policy fits the needs of yourself and your family. Property Insurance may insure your home from the following types of damage:

  • Fire and Lightning
  • Collisions from Vehicles or Aircraft
  • Hail
  • Sewer/Drain Backup
  • Windstorm
  • Vandalism
  • Volcanic Eruption
  • Smoke
  • Freezing Conditions or Snow

Property Insurance Options to Consider

There are many additional coverage types that are available to safeguard your home and belongings, and it’s important to talk with a representative from Kilgro and Associates who can help you find the right policy.

Options such as Personal Property Insurance and Flood or Earthquake Insurance may not fall under a standard Homeowners policy. In the event of an accident or theft, Personal Property can pay the actual cash value (ACV) or replacement cost of personal content items or articles like furniture, appliances, and clothing.

Other items that may be included are Builder’s Risk while your home is being built or reconstructed, and insurance for damage to pertinent/detached structures.

Another important feature to consider in your Homeowners policy is Dwelling Replacement Coverage. If a fire or other accident leaves your home a “total loss,” this coverage provides for the cost of replacing your home at its current value, rebuilding to code, and Ordinance & Law.

As is the case with many other features of Home Insurance, additional coverage can vary greatly depending on your policy, which is why it’s important to discuss your individual insurance options with Kilgro and Associates before making a decision.

Our Locations

*Decatur Location

439 Johnston St. SE
Decatur, AL 35601
Main office: 256-398-6452
Fax: 256-350-7630

Athens Location

800 US HWY 72 W, STE G
Athens, AL 35611
Main office: 256-398-6438
Fax: 256-232-5237

Huntsville Location

4008 Triana Blvd.
Huntsville, AL 35805
Main office: 256-398-6466
Fax: 256-232-5237

Our Providers

Testimonials

I was very pleased with kilgro and Associates. This was my first time shopping for insurance on my own , and they were beyond helpful. my agent helped me to make sure I was covered for everything I needed on my car, from my liability limits all the way to insuring I had rental car coverage since I only have one car.

thebankerlady
I am consistently impressed by the level of service I get from Mr. Kilgro and his agency! They are incredibly responsive to my requests, and they conduct their business everyday with a smile and a sense of humor everyday. My insurance is much cheaper than my previous insurer, and they let me choose what I wanted rather than telling me what I needed. Would highly recommend!

MAS2012
I can't say enough good things about my experience with this agency. The knowledgable and friendly staff were more than willing to answer all of my questions. I highly recommend calling Mr. Kilgro for all of your insurance needs.

Mattox