Alabama Homeowners Insurance
- Alabama Homeowners Insurance
- Alabama Homeowners Insurance: Bundling Options
- Alabama Homeowners Insurance: Discounts available
- Alabama Homeowners Insurance: Average Cost for (by city)
- Alabama Homeowners Insurance: Rating Factors
- Alabama Homeowners Insurance: Rates by Company
- Most Common Causes for Homeowners Loss and Claims (nationwide)
- Who has the Lowest Price on Homeowners in Alabama
- Cheapest Homeowners Coverage By City In Alabama
- Questions About Homeowners Insurance In Another State?
- Other Helpful Links
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.
| Company | Homeowners ($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.
| Company | Rank |
| MetLife Inc. | 1 |
| American International | 2 |
| Allstate Corp. | 3 |
| American Family | 4 |
| Auto-Owners | 5 |
| Farmers Insurance | 6 |
| Travelers | 7 |
| Chubb | 8 |
| Hartford | 9 |
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.
| City | Price |
| Prattville | USAA |
| Decatur | Allstate |
| Alexander City | Travelers |
| Rainbow City | State Farm |
| Fort Payne | Progressive (ASI) |
| Alabaster | Farmers |
| Gadsden | Travelers |
| Forestdale | Progressive (ASI) |
| Troy | Progressive (ASI) |
| Homewood | Travelers |
| Tuscaloosa | Progressive (ASI) |
| Saks | Allstate |
| Jacksonville | Liberty Mutual |
| Anniston | Liberty Mutual |
| Montgomery | Farmers |
| Phenix City | American Family |
| Irondale | Allstate |
| Valley | Liberty Mutual |
| Florence | Chub |
| Sheffield | Liberty Mutual |
| Chelsea | State Farm |
| Talladega | Progressive |
| Jasper | Farmers |
| Scottsboro | Progressive (ASI) |
| Albertville | Allstate |
| Tillmans Corner | Progressive |
| Moody | State Farm |
| Helena | USAA |
| Madison | Travelers |
| Auburn | Chub |
| Oxford | Travelers |
| Hartselle | Progressive (ASI) |
| Millbrook | State Farm |
| Dothan | Travelers |
| Clay | Liberty Mutual |
| Hoover | Allstate |
| Prichard | Farmers |
| Atmore | Travelers |
| Ozark | Progressive (ASI) |
| Pike Road | Farmers |
| Calera | State Farm |
| Muscle Shoals | USAA |
| Center Point | Allstate |
| Gardendale | Farmers |
| Pelham | Farmers |
| Bessemer | Travelers |
| Bay Minette | Farmers |
Other Helpful Links
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| Most Affordable Car Insurance in Wasilla |
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Last Updated on January 5, 2022 by Katie Sopko