Shop multiple homeowners insurance carriers on one place providing service and consultation from a licensed Alabama agent.

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

  • Homeowners Below a 580 Credit Score Pay 35% More for Home Insurance Posted on Monday 15th April, 2024

    While the odds of a major disaster hitting a specific home is the same regardless of whether the owner has a great credit score or one that puts them in a subprime category, their credit score will impact their rate in many states.  In most states, insurers are allowed to consider credit scores when setting […]

  • The Best Way to Check the Financial Strength of Home Insurance Companies Posted on Wednesday 3rd April, 2024

    If you are switching insurance companies, you should always check the financial strength of any insurer you are seriously considering. While an affordable premium is always a plus, if your insurance company cannot afford to pay when you file a claim, the savings will certainly not be worth it.  A.M. Best is a credit rating […]

  • Florida’s Broward Commissioner is Asking Congress to Lower Insurance Rates Posted on Monday 1st April, 2024

    A bill in the U.S. House called the Natural Disaster Reinsurance Plan, hopes to lower insurance costs for policyholders in states that opt-in to the program which will scale back the requirements regarding the amount of reinsurance that insurance companies need to purchase.  Currently, a Broward commissioner is asking Congress to pass legislation he claims […]

  • North Carolina Coastal Home Insurance Rates Posted on Friday 29th March, 2024

    North Carolina is a fantastic place to live with plenty of cultural activities, beautiful beaches, world-class cities as well as great restaurants and shopping. The only disadvantage to living in North Carolina, particularly if your home is located in coastal area is the cost of homeowners insurance. The average premium for a standard homeowners insurance […]

  • How Do Renovations Impact Home Insurance? (2024 Guide) Posted on Friday 15th March, 2024

    Making renovations to your home can have a major impact on your insurance coverages as your risk profile changes. Adding square footage, putting in a swimming pool, outbuilding or upgrading your electrical may change the value of your home which could leave your underinsured.  Major upgrades such as adding square footage to your home or […]

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.