Homeowners' Insurance
for Jay, FL & All of Florida and Alabama

Your home is more than likely the largest investment you will ever make during your life. Therefore, you’d better make sure it’s covered against damage. The weather, pollutants in the air, and normal wear and tear can weaken the structure of your home over time, so it’s certainly sound thinking to have a homeowners’ insurance policy. If you live in Jay, FL; Milton, FL; Pace, FL; Cantonment, FL; Atmore, AL; Brewton, AL; and the surrounding areas of Florida and Alabama, Rowell Insurance Services is here to help you find the right homeowners' insurance policy for your home and family.


Rowell Insurance Services wants to help you and your family protect what matters most, in this case, the roof over your head. We will take the time and effort to search different carriers in order to present you with the right coverage at the lowest possible premium. While we work tirelessly for you, we also make sure to get to know you and your family on a personal level. After all, how could we serve our clients well if we didn’t know them well? Contact our office today to discuss your homeowners' insurance coverage options or to request a quote!

What Does Homeowners Insurance Include?

  • Replacement Cost Coverage
    In the event of a major loss, you’ll want your home insured for its full replacement cost — not just its market value — so you can rebuild without unexpected expenses.
  • Coverage for Detached Structures
    Structures like garages, sheds, fences, or guest houses may not be attached to your home, but they’re still part of your property. Standard policies often include some protection for these, but we’ll help ensure it’s enough.
  • Personal Belongings Protection
    From furniture and appliances to clothing and electronics, your personal property is covered under most policies. Creating a home inventory can help you document items and make the claims process smoother.
  • Personal Liability Coverage
    If someone is injured on your property or you’re held legally responsible for damage, personal liability coverage helps protect you financially from lawsuits and medical expenses.
  • Loss of Use Coverage
    If a covered event forces you out of your home, this coverage helps pay for temporary living expenses — so you can maintain your normal lifestyle while repairs are underway.

Homeowners Insurance FAQs

  • What does home insurance cover?

    At its core, homeowners insurance protects your home from damage caused by covered events like storms, fire, or theft. But it also offers broader protection — including coverage for injuries that happen to guests on your property and damage to detached structures like fences, garages, or sheds. It’s about protecting your house, your belongings, and your peace of mind. 

  • How much does homeowners insurance cost per month?

    The cost can vary based on your unique situation. At Rowell Insurance Services, we don’t believe in one-size-fits-all policies. We take time to understand your home, your risks, and your priorities — then tailor coverage to match. Reach out to us for a free, personalized quote designed just for you.

  • How is a homeowners insurance quote calculated?

    Several factors go into estimating the cost of your homeowners policy, including: 

      

    • Location – Homes near the coast, like beach properties, often require different coverage than inland homes.

    • Age & Value of the Home – Older homes and higher-value homes may cost more to insure due to replacement costs.

    • Home Features – Items like security systems may lower your rate, while things like wood-burning stoves can increase it.

    • Coverage Level – The more protection you want, the more your policy may cost — but it also means greater peace of mind.


    Let us walk you through the process and help you find the right fit for your home and budget.