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Alabama Homeowners Insurance Quotes

When shopping for Alabama homeowners insurance it's important to review coverage options and know what types of discounts are available to you. First, know your policy and what's being covered under your standard homeowners insurance package. And make sure that if you are in a flood zone area near the coastal region of Alabama like Mobile or Dothan that you purchase a separate policy to cover floods, because flood insurance is not part of a standard homeowners insurance policy. Second, ask our agents about disounts, since 1985 our agents have been working with homowners like you to help you get the coverage you need. We offer a free consultation process and can answer any home insurance question you have about being a homeowner in Alabama. Here are some other helpful home insurance tips to help you apply for additonal discounts:

  1. Home Security System - get a home security alarm to help protect your home against theft
  2. Smoke Alarms - protect your home from a fire and get alerts fast in case of a fire
  3. No Smokers - because smoking is a risk to your health and can cause fires, discounts are available to non-smokers

Average Homeowners Insurance Premiums in Alabama

With over 95% of all Americans are known to have homeowners insurance coverage, it's important to know what Alabama homeowners are paying on average. Did you know that the average homeowners insurance premium in Alabama is $1501? Alabama is now ranked 11 in the country. The country wide average for homeowners in the United States is $1,311. This means the average home insurance premium in Alabama is 14.49% more than the national average.

YearAverage Annual PremiumAverage Monthly PremiumState Rank (Overall)
2020$1501 (2.6%)$ 12511
2019$1463 (3.8%)$ 12212
2018$1409 (-1.69%)$ 11713
2017$1433 (3.33%)$ 11912
2016$1386 (2.04%)$ 11612

When we combine the state averages over the last decade, the Alabama overall average is estimated to be around $1,329.67. Our homeowners insurance quoting and rating process helps you compare homeowners insurance quotes, coverages and premiums. Alabama current state rank compare to the rest of the country is #11. Consider shopping your Alabama home insurance with us so we can help you save up to 40% or more on your policy.

Alabama Homeowners Insurance News & Information

  • 2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025

    While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future.  According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]

  • Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025

    Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]

  • Do homeowners insurance policies have loopholes? Posted on Monday 30th December, 2024

    Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies.  Here are some common exclusions that could leave you […]

  • 2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024

    According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges.  Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]

  • What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024

    A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly.  The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]

Alabama Housing & Real Estate Data

Details:Staticstics
Total Housing Units2171853
Occupied Housing Units1883791
Vacant Housing Units288062
Vacant Housing Units for Rent79265
Vacant Housing Units Rented Not Occupied3761
Vacant Housing Units For Sale35903
Vacant Housing Units Sold Not Occupied9227
Vacant Housing Units For Seasonal Occasional Use63890
Vacant Housing Units All Other Vacants96016
Housing Units Homeowner Vacancy Rate Percent2.6
Housing Units Rental Vacancy Rate Percent12.1
Housing Tenure Occupied Units1883791
Housing Tenure Occupied Units Owner Occupied1312589
Housing Tenure Occupied Units Owner Occupied Population3311304
Housing Tenure Occupied Units Owner Occupied Averge Household Size2.52
Housing Tenure Occupied Units Renter Occupied571202
Housing Tenure Occupied Units Renter Occupied Population1352616
Housing Tenure Occupied Units Renter Occupied Average Household Size2.37

Understanding Alabama Homeowners Insurance

When shopping for Alabama homeowners insurance quotes you should be aware of the various types of insurance policies that are available in your area:

  • HO-3: This is the most common type of homeowers policy. This policy type protects your home against all perils, except ones that are specifically excluded. In most cases earthquake and flood damage are excluded.
  • H0-6: This policy type is specifically written for condos or co-ops. If you own a condo or live in a co-op building this type of policy is a necessity. A HO-6 policy covers both your personal belongings and the structural parts of the building that you own. There are 16 disasters listed on a typical policy that HO-6 protects against.
  • HO-4: If you are looking for Alabama renters insurance, a HO-4 policy is a great option. Renters insurance will cover your contents as well as offer liability coverage in the event a person is injured in your apartment.

While other types of policies exist, these are the most common ones. A HO-2 is a more basic policy that offers reduced coverage levels and a HO-5 is a high-end policy that offers increased protection.

If you are shopping for a new home in Alabama, homeowners insurance is a must do. We can help you find the perfect policy for your new home, regardless of whether you need a standard HO-3 policy, HO-6 or renters insurance, our site makes shopping for homeowners insurance quotes easy. Visit our online quoting application today and let us help you shop and compare up to 12 different Alabama rates and coverage options.