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Clarke County, AL Homeowners Insurance Quotes

Getting afforable home insurance coverage in Clarke County can sometimes be difficult with so many options available from local captive agents like State Farm and Allstate to the online comparison marketplace. It is important to know that getting the right coverage means doing the necessary research or speaking with a Alabama home insurance professional that can help you find the coverage you need. Shopping online with GetHomeInsuranceQuotes.com allows you to get top quality service from the best insurance carriers available locally. It's important for you to know the coverage options available for your home in Clarke County, that's why our experience staff of over 20+ years can help answer any questions that you may have about your current policy. Shopping online for Clarke County home insurance rates is free and easy to use.

Alabama home insurance rates are on the rise and seem to increase year over year. It's not very often that we witness a decrease in home insurance rates when we compare annual premiums in all 50 states. Currently, Clarke County is ranked higher in the nation with an average annual premium of $1501 per year. When comparing home insurance cost and coverage options, it's important to understand that the base premium for basic HO-3 policy may look great in terms of affordability, but maybe lacking the protectiong you need when you need a home insurance provider. Take advantage of our enhanced coverage options and let us help you easily shop better rates today!

For all Clarke County, AL residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.


Are you looking for a homeowners insurance quote in Clarke County? Simply enter your zip code to get your Alabama homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

Clarke County, AL Housing Demographics

With 25,833 residents living within the Clarke County area there are over 12,638 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 7,204 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Clarke County.

DemographicValues
Total Occupied Households10,337
Family Households (families)7,204
Average Owner Occupied Household Size3
Average Family Size3
Total Housing Units12,638

Clarke County, AL Coastal Wind, Hail & Flood Information

For all homeowners living in Clarke County (FIPS: 1025), it's important to understand that this county is in a coastal area and has great risk of damage due to hurricanes, windstorms, hail and flooding. The wind and hail insurance program provided through the state of Alabama is the states opportunity to help provide additional wind/hail coverage when insurance companies exclude it from homeowners and other policies sold to coastal residents. You can buy wind and hail insurance coverage through us and we will shop multiple companies to package the best coverage option for you. If you are shopping for quotes in Clarke County, AL, it's important that you look into hurricane and windstorm insurance options.

Clarke County, AL Home Insurance Average Premiums

Local Clarke, AL homeowners insurance quotes comparison

$1,173 /yr.

Alabama's Average Home Insurance Rates Overall

For the state of Alabama, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 11 in the nation for highest premiums in the U.S.

Average RatingAnnual Premium
Minimum Range:$793 /yr.
Current Average Cost:$1,173 /yr.
Maximum Range:$1501 /yr.

Clarke County, AL Coastal Wind, Hail & Flood Information

Clarke is a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.

Alabama Homeowners Insurance News & Information

  • Is the U.S. Home Buying Market Going to Drop in 2025? Posted on Friday 4th July, 2025

    Housing Crisis, Low prices. Graph, Residential Building, Built Structure, Chart, Home Finances, Recession, Arrow, Real estate. The housing market is falling. A recent report from the Harvard Joint Center for Housing Studies found that U.S. homebuying has dropped to its lowest levels since the mid-1990s. The report, The State of the Nation’s Housing 2025 blames record high […]

  • Florida Homeowners Are Concerned About Property Insurance Crisis Posted on Tuesday 1st July, 2025

    Insurance rates are rising at unprecedented rates, causing millions of people to struggle with the new premiums.  In the last three years, insurance rates have doubled in some areas. Homeowners fear for their houses while their representatives in Congress struggle to help.  Insurers are pulling out of states like Florida as damaging hurricanes and powerful […]

  • Upgrading Your Home Against Disasters Can Help Save You Money On Your Insurance Posted on Thursday 26th June, 2025

    Ron Watson’s roof on his Alabama home looks the same as all his neighbors’ roofs. Yet his is saving him money every year.  With the help of nails specifically designed to stay in place during high winds, along with other construction elements, Watson’s roof is less likely to be damaged in natural disasters, like hurricane […]

  • Should I consider climate changes when buying a new home? Posted on Saturday 21st June, 2025

    Climate change is on our doorstep, so now more than ever, it’s essential to consider the local climate when buying a new home. Not only is the current climate important, but experts suggest homeowners look towards the future. How will the next 10, 20 or 30 years impact your new purchase?  The increasing frequency of […]

  • Florida home insurance and hurricanes How to Prepare Before Hurricanes Threaten Florida Posted on Monday 19th May, 2025

    Hurricane season is quickly approaching and one of the most important things to do before a storm hits is to make sure your insurance coverage is up to date and your coverage levels are sufficient in the event your home is damaged by severe weather. Regardless of whether you own a home or are renting, […]

Discounts For Homeowners in Clarke County

As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your Alabama homeowners insurance.

  • Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Clarke County, this discount can save you up to 20% on your home insurance premium.
  • Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Clarke County that do combine their home and auto can save over $500 with this discount.
  • Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Clarke County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
  • Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
  • Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.

Clarke County Housing & Real Estate Data

Details:Statistics
Total Housing Units12638
Occupied Housing Units10337
Vacant Housing Units2301
Vacant Housing Units for Rent406
Vacant Housing Units Rented Not Occupied52
Vacant Housing Units For Sale91
Vacant Housing Units Sold Not Occupied94
Vacant Housing Units For Seasonal Occasional Use694
Vacant Housing Units All Other Vacants964
Housing Units Homeowner Vacancy Rate Percent1
Housing Units Rental Vacancy Rate Percent15
Housing Tenure Occupied Units10337
Housing Tenure Occupied Units Owner Occupied7996
Housing Tenure Occupied Units Owner Occupied Population20038
Housing Tenure Occupied Units Owner Occupied Averge Household Size3
Housing Tenure Occupied Units Renter Occupied2341
Housing Tenure Occupied Units Renter Occupied Population5515
Housing Tenure Occupied Units Renter Occupied Average Household Size2