Alabama Homeowners Insurance

Alabama

Alabama Homeowners Insurance

Alabama Home Owners Insurance

Alabama Homeowners Insurance: Bundling Options

Here are some great way for bundling options with homeowners insurance in Alabama. Bundling will save you money in most cases and provide coverage for all your needs.

Alabama Bundling Options With Homeowners
RV
Boat
Health
ATV
Business
Auto
Motorcycle
Umbrella

Alabama Homeowners Insurance: Discounts available

See how you may qualify for discounts with homeowners insurance by having one of the following:

Discounts available for Homeowners insurance
EFT
Home monitoring / Bruglar
Upgraded plumbing
Gated comunity
Auto water shut off or leak detection
Non-smoking discount
Hail resistant roofing
Married discount
Claims Free
Upgraded roof
Loyalty
Smoke detector (monitored)
Upgraded Wiring

Alabama Homeowners Insurance: Average Cost for (by city)

Here we have an average cost breakdown for homeowners insurance by city in Alabama. Don’t worry if your city isn’t listed, we still have you covered.

City Price
Helena$1,100.00
Prichard$1,293.00
Gardendale$1,163.00
Oxford$1,251.00
Fultondale$1,108.00
Jacksonville$1,424.00
Hueytown$1,261.00
Pell City$1,162.00
Tillmans Corner$1,180.00
Troy$1,102.00
Talladega$1,317.00
Homewood$1,398.00
Florence$1,425.00
Chelsea$1,135.00
Bessemer$1,148.00
Madison$1,293.00
Decatur$1,284.00
Selma$1,397.00
Huntsville$1,159.00
Vestavia Hills$1,410.00
Leeds$1,277.00
Albertville$1,420.00
Dothan$1,418.00
Gadsden$1,379.00
Fairhope$1,223.00
Athens$1,300.00
Trussville$1,411.00
Anniston$1,156.00
Clay$1,227.00
Birmingham$1,148.00
Sylacauga$1,127.00
Jasper$1,175.00
Auburn$1,406.00
Atmore$1,118.00
Ozark$1,395.00
Meadowbrook$1,217.00
Bay Minette$1,264.00
Pleasant Grove$1,410.00
Alabaster$1,394.00
Forestdale$1,148.00
Northport$1,179.00
Valley$1,416.00
Rainbow City$1,164.00
Cullman$1,389.00
Foley$1,165.00
Alexander City$1,223.00
Irondale$1,115.00
Saks$1,408.00
Tuscaloosa$1,299.00
Center Point$1,160.00
Hoover$1,246.00
Muscle Shoals$1,301.00
Fort Payne$1,398.00
Sheffield$1,360.00
Mountain Brook$1,250.00
Pike Road$1,240.00

Alabama Homeowners Insurance: Rating Factors

Homeowners Insurance rates are not one size fit all.

There are various factors such as credit history, your roof condition, even what kind of dog you have that can affect how much you pay for homeowners insurance.

Alabama Home Owners Insurance: Knowing The Rating Factors
Credit history
Swimming pool or hot tub
Deductible
Dog breed
Value of home Replacement cost
Roof condition
Home-based business
Insurance score
Wood-burning stoves
Home liability limits
Claims
Protection Class Proximity to fire station

Alabama Homeowners Insurance: Rates by Company

It’s important to talk to one of our agents to understand the type of homeowners coverage each Insurance company offers.

While one Insurance company might appear to have the cheapest homeowners rates, make sure they offer the specific coverage you are looking for.

CompanyHomeowners ($250,000)
Erie Insurance$1,459
American International$1,378
MetLife Inc.$1,357
Hartford Financial Services$1,322
Travelers Companies Inc.$1,272
USAA$1,519
Chubb$1,482
Farmers Insurance Group$1,391
Allstate$1,370
Auto-Owners Insurance$1,266
Liberty Mutual$1,409
State Farm$1,482
Nationwide Mutual$1,298
American Family Insurance$1,409
Progressive$1,305

Most Common Causes for Homeowners Loss and Claims (nationwide)

Statistics show that 98.1% of losses and homeowners claims are due to property damage, with wind and hail damage making up a big chunk.

But don’t rule out the small percentage of homeowners losses due to theft…it still happens!

Most Common Causes for Homeowners Losses and Claims
Lightning
Wind
Loss of Use
Fire
Vandalism
Power surge
Injuries
Water Damage
Theft
Hail

Who has the Lowest Price on Homeowners in Alabama

Having the best rates for budgets are very important with home owners insurance. Here you can see which companies offer the lowest rates for homeowners insurance.

CompanyRank
MetLife Inc.1
American International2
Allstate Corp.3
American Family4
Auto-Owners5
Farmers Insurance6
Travelers7
Chubb8
Hartford9

Cheapest Homeowners Coverage By City In Alabama

Here you will find some of the cheapest homeowners coverage rates by cities in Alabama. Even if your city is not listed here, we can still get you affordable rates.

CityPrice
PrattvilleUSAA
DecaturAllstate
Alexander CityTravelers
Rainbow CityState Farm
Fort PayneProgressive (ASI)
AlabasterFarmers
GadsdenTravelers
ForestdaleProgressive (ASI)
TroyProgressive (ASI)
HomewoodTravelers
TuscaloosaProgressive (ASI)
SaksAllstate
JacksonvilleLiberty Mutual
AnnistonLiberty Mutual
MontgomeryFarmers
Phenix CityAmerican Family
IrondaleAllstate
ValleyLiberty Mutual
FlorenceChub
SheffieldLiberty Mutual
ChelseaState Farm
TalladegaProgressive
JasperFarmers
ScottsboroProgressive (ASI)
AlbertvilleAllstate
Tillmans CornerProgressive
MoodyState Farm
HelenaUSAA
MadisonTravelers
AuburnChub
OxfordTravelers
HartselleProgressive (ASI)
MillbrookState Farm
DothanTravelers
ClayLiberty Mutual
HooverAllstate
PrichardFarmers
AtmoreTravelers
OzarkProgressive (ASI)
Pike RoadFarmers
CaleraState Farm
Muscle ShoalsUSAA
Center PointAllstate
GardendaleFarmers
PelhamFarmers
BessemerTravelers
Bay MinetteFarmers

Questions About Homeowners Insurance In Another State?


Insurance varies greatly from state to state. Click on your state to find out more specifics about homeowners insurance.

AL AZ AR CA CO CT DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY

Or If You’re Ready…

If you have all the information you need, get a homeowners quote now!

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Last Updated on January 5, 2022 by Katie Sopko

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