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Natural disasters can be unexpected and devastating to vacation rental properties. It’s crucial to understand what exactly your insurance plan covers so that when an unforeseen, unfortunate event occurs, you’ll feel more prepared to deal with the aftermath. 


Are you feeling overwhelmed with managing your rental property? Harris Vacation Rentals is here to help. Contact us and find out why people like you have trusted us to manage their properties for over 30 years. 


5 Things To Know About Your Insurance Coverage

1. Coverage Limits and Deductibles

In Alabama, the standard homeowner’s policy varies in coverage. It’s essential to make sure your home is adequately covered, and your limit will take care of any potential catastrophic loss. 


Along the Alabama Gulf Coast, policies typically have two deductibles. Wind/hail/hurricane coverage has its own deductible and is usually based on a percentage of dwelling coverage (1% to 5%). The all other peril (AOP) deductible is usually a set figure ($1000 to $10000). 

2. Replacement Cost

The replacement cost is the amount of money it would take to rebuild your home as of today’s construction cost. Do not confuse this figure with the market value or sales price. Since these two values often contain depreciation and/or land value, they can vary significantly from the replacement cost of your dwelling. 

3. Age of Your Home

A home built that follows the most recent codes will receive the best insurance rate. The age of a home’s roof, plumbing, electrical, and HVAC will all play a factor in the insurance rate you will receive. Remember, newer is always better. 

4. Wind Mitigation

Wind and hail coverage can make up to 70% of your premium dollar—that’s a lot! Adding features to your home that help withstand or increase resistance to high winds caused by natural disasters can help you combat this, especially in our coastal market. For example, a full hip roof will receive a better rate than a gable or complex roof, and brick/concrete board exteriors will rate better than wood and vinyl exteriors. Window protection, such as hurricane shutters and hurricane-proof glass, will help lower rates as well. 

5. Every Customer Is Different

Even if you were to have the exact same property in the exact same location as someone, your insurance would be different. Your insurance rates can vary based on credit history, claims history, and more. Plus, ownership of trampolines, swimming pools with diving boards or slides, and certain dog breeds can negatively affect insurance rates. 

Need Additional Assistance?

Are you searching for additional assistance regarding making the most out of your vacation rental property? Contact Harris Vacation Rentals to learn about our property management. 

Choosing a Contractor After a Natural Disaster 

Are you in the process of building or repairing your vacation rental property on the Alabama Gulf Coast? One of the most critical steps in home construction is choosing the right contractor for you. Don’t hesitate to ask questions and arm yourself with the necessary information to select the best contractor for your project. If you’re unsure of where to start when it comes to choosing a contractor, we’re here to help.   

Once your property is restored and you’re ready to rent it out, let Harris Vacation Rentals assist you with property management.  

What to Ask for From a Potential Contractor 

Do you know how to decide if a contractor is legitimate and will provide you with the best service possible? Here’s how to start. Ask for: 

Tips for Choosing the Best Contractor 

As you go through the process of selecting your contractor, remember to keep these helpful tips in mind: 

What to Look Out for When Selecting a Contractor 

Now you know what to request during the contractor selection process and what makes for a superior contractor. However, it’s still important to know the warning signs of a wrong or unreliable contractor. 

Need Extra Assistance? 

Are you still feeling overwhelmed? We understand! Here at Harris Vacation Rentals, we’ve been serving property owners like you for over 30 years. Our property management services are here to help reduce your stress and make the most out of your vacation rental property.  

Contact us for more information regarding property management and post-natural disaster assistance.  

Alabama Beaches are scheduled to reopen Thursday, April 30th at 5 pm with visitors subject to social distancing guidelines. Beaches will be open for all activities and no gatherings of 10 persons or more will be permitted. All persons must stay 6 ft apart.

Retail stores may open subject to a 50% occupancy rate and follow all social-distancing and sanitation rules.

Entertainment venues will remain closed.

Restaurants, bars, and breweries are limited to take out, curbside or delivery services.

Athletic facilities and activities will remain closed.

To view our Coronavirus Updates page, click here. 

Please see our FAQs: Safer at Home – Frequently Asked Questions about Beaches

At Harris Vacation Rentals, our first priority is the safety of our guests. In order to keep our guests safe, our home presentation team will be sanitizing all touchpoints of each property prior to each guest arrival. Each property will be sanitized with an EPA approved disinfectant proven to kill the COVID-19 virus.