Best Homeowners Insurance in Alabama

We have gathered information from around 120+ insurance firms to help you choose the most affordable home insurance rates in Alabama.
Top 5 affordable home insurance companies in Alabama
Average homeowners insurance rates in Alabama by coverage extent.
Home insurance deductibles in Alabama by coverage level
Alabama home insurance prices by city
Home and auto insurance bundles in Alabama

Everything about homeowners insurance in Alabama.

To find an affordable home insurance in Alabama is to match rates and also check options from as many companies as possible. Check out the home insurance rates in Alabama in the below data. Individual rates may vary counting on coverage options and therefore the value of the dwelling being insured.

Homeowners Insurance Rates for Alabama

Average Monthly Premium $119.96

Compare personalized homeowners insurance quotes from multiple companies in Alabama now

Top 5 affordable home insurance companies in Alabama

Farmers offers the most affordable homeowners insurance in Alabama, at only $612 per annum . This is equivalent to the state price of $1,702, offering a $1,110 price on the average statewide home insurance costs.
Get a start on finding cheap homeowners insurance by reviewing the most cost effective Alabama companies:

The Most Affordable Homeowners Insurance Companies In Alabama

CompanyAverage 12-Month Rate in Alabama
Cincinnati Insurance$1,316

Average Homeowners insurance Rates - Alabama

Average homeowners insurance rates in Alabama by coverage extent.

If you spend on buying the home coverage it greatly affects the extent of coverage you decide on .The homeowners in Alabama who carry $100,000 of dwelling coverage pay an amount of $1,084 every year, and those with dwelling coverage of $400,000 pay around $2,787 per annum .

Homeowners Insurance Rates In Alabama — Common Coverage Amounts

Coverage LevelAverage Annual Cost
$100,000 Dwelling$1,080
$200,000 Dwelling$1,702
$250,000 Dwelling$1,960
$400,000 Dwelling$2,789

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Home insurance deductibles in Alabama by coverage level

Homeowners face variety of choices when buying a policy, including the quantity of their deductible. A deductible is an amount that you're responsible before the insurer will cover a claim. Your deductible level can have a serious impact on what proportion you buy insurance.
An honest rule of thumb is that the lower your deductible, the upper your premium. this suggests that those seeking lower insurance costs will want to significantly consider a better homeowners deductible. Remember that your deductible should only be set as high as you'll reasonably afford within the event of a covered loss.
The table below reveals the typical rates related to deductibles offered by most home insurers.

Home Insurance Premiums By Deductible Tier In Alabama

Deductible LevelAverage Annual Homeowners Insurance Rate

Alabama home insurance prices by city

Not every other city in Alabama has matching home insurance costs. Policy pricing may depend upon city-specific variables just like the number of claims filed within the immediate area, meaning your specific postcode impact what proportion you pay.
In Alabama, the best home insurance is found in Helena. In Helena, the typical homeowners policy costs only $1,396 per annum but its $309 less than the typical Alabama rate. Reference the below table to ascertain the most cost effective cities in Alabama for home insurance.

Cheapest Home Insurance Cities In Alabama

CityAverage 12-Month Home Insurance Rate

Home and auto insurance bundles in Alabama

If you would like to save lots of on home insurance, consider purchasing both your car and residential insurance policies from one company. Bundling auto and residential insurance in Alabama can prevent a considerable sum monthly on automobile insurance . Bundling policies in Alabama results in average annual savings of $100.

Home And Auto Insurance Bundling Discounts In Alabama

Avg. Annual Rate (No Bundle)Avg. Annual Rate (w/ Bundle)
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