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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:
- Home Security System - get a home security alarm to help protect your home against theft
- Smoke Alarms - protect your home from a fire and get alerts fast in case of a fire
- 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.
| Year | Average Annual Premium | Average Monthly Premium | State Rank (Overall) |
|---|---|---|---|
| 2020 | $1501 (2.6%) | $ 125 | 11 |
| 2019 | $1463 (3.8%) | $ 122 | 12 |
| 2018 | $1409 (-1.69%) | $ 117 | 13 |
| 2017 | $1433 (3.33%) | $ 119 | 12 |
| 2016 | $1386 (2.04%) | $ 116 | 12 |
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.
Find Local AL Homeowners Insurance Quotes & Coverage
For more information on homeowners insurance in your area, choose a county below:
- Autauga
- Baldwin
- Barbour
- Bibb
- Blount
- Bullock
- Butler
- Calhoun
- Chambers
- Cherokee
- Chilton
- Choctaw
- Clarke
- Clay
- Cleburne
- Coffee
- Colbert
- Conecuh
- Coosa
- Covington
- Crenshaw
- Cullman
- Dale
- Dallas
- De Kalb
- Elmore
- Escambia
- Etowah
- Fayette
- Franklin
- Geneva
- Greene
- Hale
- Henry
- Houston
- Jackson
- Jefferson
- Lamar
- Lauderdale
- Lawrence
- Lee
- Limestone
- Lowndes
- Macon
- Madison
- Marengo
- Marion
- Marshall
- Mobile
- Monroe
- Montgomery
- Morgan
- Perry
- Pickens
- Pike
- Randolph
- Russell
- Saint Clair
- Shelby
- Sumter
- Talladega
- Tallapoosa
- Tuscaloosa
- Walker
- Washington
- Wilcox
- Winston
Alabama Homeowners Insurance News & Information
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$4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024
According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]
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I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024
According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]
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How to Get the Best Homeowners Insurance Policy for Your Needs Posted on Wednesday 6th November, 2024
Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm. Understanding the different coverages that are available to homeowners is key to making sure you […]
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Homeowners Shopping Rates Due to Rise in Premiums Posted on Monday 23rd September, 2024
According to the recently released J.D. Power 2024 U.S. Home Insurance Study a nationwide rise in premiums has driven many customers to shop for new policies as their rates are now too high. “’The average shopping rate among home insurance customers has climbed to a record high of 6.8% through the second quarter of 2024, […]
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Where is it cheaper to rent than to buy a home in the United States? Posted on Thursday 5th September, 2024
According to a new study from Clever Real Estate, a St. Louis-based real estate company, monthly rent costs are actually cheaper than a monthly mortgage payment in 48 of the 50 most populous cities in the United States. Their analysis looked at mortgage principals, interest, taxes as well as homeowners insurance and they found that […]
Alabama Housing & Real Estate Data
| Details: | Staticstics |
|---|---|
| Total Housing Units | 2171853 |
| Occupied Housing Units | 1883791 |
| Vacant Housing Units | 288062 |
| Vacant Housing Units for Rent | 79265 |
| Vacant Housing Units Rented Not Occupied | 3761 |
| Vacant Housing Units For Sale | 35903 |
| Vacant Housing Units Sold Not Occupied | 9227 |
| Vacant Housing Units For Seasonal Occasional Use | 63890 |
| Vacant Housing Units All Other Vacants | 96016 |
| Housing Units Homeowner Vacancy Rate Percent | 2.6 |
| Housing Units Rental Vacancy Rate Percent | 12.1 |
| Housing Tenure Occupied Units | 1883791 |
| Housing Tenure Occupied Units Owner Occupied | 1312589 |
| Housing Tenure Occupied Units Owner Occupied Population | 3311304 |
| Housing Tenure Occupied Units Owner Occupied Averge Household Size | 2.52 |
| Housing Tenure Occupied Units Renter Occupied | 571202 |
| Housing Tenure Occupied Units Renter Occupied Population | 1352616 |
| Housing Tenure Occupied Units Renter Occupied Average Household Size | 2.37 |
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.