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Jackson County, AL Homeowners Insurance Quotes

Are you looking for a quick comparison of Jackson County, AL homeowners insurance quotes to review and compare the best rates today? We can provide up to 12 or more competitive home insurance rates with different coverage options from a basic HO-3 standard homeowner policy to a bundle / packaged discount policy that would include your home and auto grouped together. A basic policy for homeowners living in Jackson County includes protection against most major perils. If you are in need of earthquake or flood insurance, then we can help you find additional coverage. As you may know, a flood policy is separate from a standard HO-3 policy.

Affordable Jackson County Rates

Homeowners living in Jackson County, pay on average around $1501 per year or $125.08 a month for home insurance. Let us help you shop multiple coverage options and provide up to 40% off in discount savings for your home in Jackson County. Online rate quotes can be easily reviewed by entering your zip code of the property you would like to insure or give us a call now at 1-855-976-2656

For all Jackson 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 Jackson 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.

Jackson County, AL Housing Demographics

With 53,227 residents living within the Jackson County area there are over 24,786 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 15,209 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 Jackson County.

DemographicValues
Total Occupied Households21,513
Family Households (families)15,209
Average Owner Occupied Household Size2
Average Family Size3
Total Housing Units24,786

Jackson County, AL Home Insurance Average Premiums

Local Jackson, 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.

Alabama Homeowners Insurance News & Information

  • Homeowners Shopping Rates Due to Rise in Premiums Posted on Monday 23rd September, 2024

    According to the recently released J.D. Power 2024 U.S. Home Insurance Study a nationwide rise in premiums has driven many customers to shop for new policies as their rates are now too high.  “’The average shopping rate among home insurance customers has climbed to a record high of 6.8% through the second quarter of 2024, […]

  • Where is it cheaper to rent than to buy a home in the United States? Posted on Thursday 5th September, 2024

    According to a new study from Clever Real Estate, a St. Louis-based real estate company, monthly rent costs are actually cheaper than a monthly mortgage payment in 48 of the 50 most populous cities in the United States. Their analysis looked at mortgage principals, interest, taxes as well as homeowners insurance and they found that […]

  • Review How Many Homeowners Are Not Insured Per State Posted on Thursday 29th August, 2024

    One of the major costs of owning a home is protecting it with homeowners insurance. This will ensure your home is repaired or rebuilt if it is damage or destroyed by a covered peril. It also helps protect you against lawsuits, theft and even vandalism. If you have a mortgage on your home, your lender […]

  • Are homeowners insurance companies increasing deductibles?  Posted on Thursday 22nd August, 2024

    This year many homeowner insurance companies have been raising their homeowner percentage deductible from 1% to 2% which could be a massive increase for policyholders who have to make a claim on their policy. It has led to many homeowners shopping their coverage as their out-of-pocket costs skyrocket.   As the cost of claims increases, particularly […]

  • Homeowners in Texas are Seeing Home Insurance Rates Increase Posted on Wednesday 7th August, 2024

    Homeowners in Texas are feeling the squeeze as homeowner insurance rates continue to climb. In a recent NBC 5 Investigates article, they looked at just how dramatic recent rate increases have been across Texas. Melinda Clifton has seen destructive weather cause hail damage to her roof three times in the last twenty years according to […]

Discounts For Homeowners in Jackson 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 Jackson 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 Jackson 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 Jackson 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.

Jackson County Housing & Real Estate Data

Details:Statistics
Total Housing Units24786
Occupied Housing Units21513
Vacant Housing Units3273
Vacant Housing Units for Rent614
Vacant Housing Units Rented Not Occupied45
Vacant Housing Units For Sale315
Vacant Housing Units Sold Not Occupied107
Vacant Housing Units For Seasonal Occasional Use691
Vacant Housing Units All Other Vacants1501
Housing Units Homeowner Vacancy Rate Percent2
Housing Units Rental Vacancy Rate Percent10
Housing Tenure Occupied Units21513
Housing Tenure Occupied Units Owner Occupied16276
Housing Tenure Occupied Units Owner Occupied Population40406
Housing Tenure Occupied Units Owner Occupied Averge Household Size2
Housing Tenure Occupied Units Renter Occupied5237
Housing Tenure Occupied Units Renter Occupied Population12224
Housing Tenure Occupied Units Renter Occupied Average Household Size2