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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:

  1. Home Security System - get a home security alarm to help protect your home against theft
  2. Smoke Alarms - protect your home from a fire and get alerts fast in case of a fire
  3. 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.

YearAverage Annual PremiumAverage Monthly PremiumState Rank (Overall)
2020$1501 (2.6%)$ 12511
2019$1463 (3.8%)$ 12212
2018$1409 (-1.69%)$ 11713
2017$1433 (3.33%)$ 11912
2016$1386 (2.04%)$ 11612

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.

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 […]

Alabama Housing & Real Estate Data

Details:Staticstics
Total Housing Units2171853
Occupied Housing Units1883791
Vacant Housing Units288062
Vacant Housing Units for Rent79265
Vacant Housing Units Rented Not Occupied3761
Vacant Housing Units For Sale35903
Vacant Housing Units Sold Not Occupied9227
Vacant Housing Units For Seasonal Occasional Use63890
Vacant Housing Units All Other Vacants96016
Housing Units Homeowner Vacancy Rate Percent2.6
Housing Units Rental Vacancy Rate Percent12.1
Housing Tenure Occupied Units1883791
Housing Tenure Occupied Units Owner Occupied1312589
Housing Tenure Occupied Units Owner Occupied Population3311304
Housing Tenure Occupied Units Owner Occupied Averge Household Size2.52
Housing Tenure Occupied Units Renter Occupied571202
Housing Tenure Occupied Units Renter Occupied Population1352616
Housing Tenure Occupied Units Renter Occupied Average Household Size2.37

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.