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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) |
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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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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 […]
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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 […]
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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, […]
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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 […]
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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. […]
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.