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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.


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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

  • 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, […]

  • New Home Insurance Company Launches in Florida, Shows Signs of Improvement Posted on Tuesday 13th May, 2025

    According to Office of Insurance Regulation and leaders in the industry, Florida may finally be emerging from the insurance crisis that it has suffered through for the last decade. Insurance companies operating in the state are starting to stabilize rates and new insurance companies are entering the Florida market.  Recently, the Office of Insurance Regulation […]

  • Higher Premiums and Claim Handling Causes Poor Customer Satisfaction for Insurance Companies Posted on Friday 9th May, 2025

    According to the recently released J.D. Power’s 2025 U.S. Property Claims Satisfaction Study, higher premiums and longer wait time for claim handling are making property owners less satisfied with their homeowners coverage. “Customers are, in essence, paying higher prices for slower service,” said Mark Garrett, director of insurance intelligence at J.D. Power in a press release. […]

  • Affordable Home Insurance Is Getting Very Hard to Find Posted on Tuesday 6th May, 2025

    According to a recent ValuePenguin study, homeowners are having a harder time finding affordable insurance due to the property insurance crisis spreading around the country.  The report found that a shocking two-thirds of homeowners have seen premium increases in 2024. Another 25% of homeowners said they were dropped by their insurance company which is a […]

  • Which state pays the highest home insurance premiums in 2025? Posted on Thursday 24th April, 2025

    Recently, Insurify released its third annual American Homeowner Insurance report which offers a detailed forecast of insurance trends in the U.S. for 2025.  States that have a high risk of wildfires and severe weather will see the largest increases in homeowners insurance premiums. According to the report, Louisiana will see the largest premium increases with […]

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