Shop multiple homeowners insurance carriers in one place providing service and consultation from a licensed Lawrence County, AL agent.

Lawrence County, AL Homeowners Insurance Quotes

Are you shopping for homeowners insurance for your Lawrence County AL home? We can help you find the best rates and coverage options available at GetHomeInsuranceQuotes.com. We provide up to 12 comparison quotes from the most competitive top-rated home insurance companies available in Alabama. Our agents specialize in the best rates for Lawrence County and have over 20+ years of experience. We are ready to help you take advantage of our free consulation so you can review the most affordable home policies available, with the best dwelling and liability coverage plans. Protecting your home from hurricanes, lightning and fires is important to every homeowner. But that's not all your homeowners policy is limited to, ask our agents what coverage is the right fit for you. We have a variety of options to choose from to make sure your home and family are safe.

Average Rates in Lawrence County

Did you know the average home insurance premium for the state of Alabama is $1501 a year. That's $125.08 a month in home insurance cost. Now depending on if this average premium is higher or lower than what you are currently paying, it's also smart to keep in mind who your current insurance carrier is and what type of coverage you currently have available for your home in Lawrence County. We can help you save up to 40% by applying all the available discounts and credits, plus shopping your coverage with up to 12 different home insurance providers that currently have competitive rates in Lawrence County AL. Simply give us a call now at 1-855-976-2656

For all Lawrence 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 Lawrence 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.

Lawrence County, AL Housing Demographics

With 34,339 residents living within the Lawrence County area there are over 15,229 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 9,985 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 Lawrence County.

DemographicValues
Total Occupied Households13,654
Family Households (families)9,985
Average Owner Occupied Household Size3
Average Family Size3
Total Housing Units15,229

Lawrence County, AL Home Insurance Average Premiums

Local Lawrence, 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

  • Largest Insurer in California – Travelers Announces Home Insurance Rates Going Up 15% Posted on Monday 20th May, 2024

    Travelers Insurance, which is one of the largest insurers in California, recently announced that they will be raising premiums by an average of 15% in the Golden State. This is just the latest rate increase or policy limitation by major insurance companies who blame the increases on spreading wildfire risks, inflation, and the cost of […]

  • Should I raise my deductible to $10,000 to help offset the cost of rising premiums? Posted on Wednesday 15th May, 2024

    According to industry reports, homeowners are raising their deductibles to $5,000 to $10,000 to help offset the cost of rising premiums.  While raising a deductible into the stratosphere will absolutely lower your homeowner insurance premium, it does mean that you will have to cover your deductible amount in the event you have to make a […]

  • Should I choose the minimum or maximum homeowners insurance coverage? Posted on Monday 13th May, 2024

    As homeowner insurance rates rise across the country, some homeowners are opting for policies that offer minimal coverage to keep their premiums affordable. Unfortunately, this choice will leave them at higher risk and in a position where they may have to pay more out of pocket if they have to make a claim on their […]

  • Texas is Seeing Major Increases in the Cost of Homeowners Insurance Posted on Tuesday 7th May, 2024

    Like much of the rest of the country, Texas is seeing major increases in the cost of homeowners insurance. According to an article in Austin American-Stateman, residents of Texas have seen their insurance rates go up 50.9% on average which is the largest increase in the country for that time period. Unfortunately, experts are predicting […]

  • 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 […]

Discounts For Homeowners in Lawrence 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 Lawrence 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 Lawrence 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 Lawrence 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.

Lawrence County Housing & Real Estate Data

Details:Statistics
Total Housing Units15229
Occupied Housing Units13654
Vacant Housing Units1575
Vacant Housing Units for Rent221
Vacant Housing Units Rented Not Occupied20
Vacant Housing Units For Sale155
Vacant Housing Units Sold Not Occupied74
Vacant Housing Units For Seasonal Occasional Use216
Vacant Housing Units All Other Vacants889
Housing Units Homeowner Vacancy Rate Percent1
Housing Units Rental Vacancy Rate Percent8
Housing Tenure Occupied Units13654
Housing Tenure Occupied Units Owner Occupied10972
Housing Tenure Occupied Units Owner Occupied Population27658
Housing Tenure Occupied Units Owner Occupied Averge Household Size3
Housing Tenure Occupied Units Renter Occupied2682
Housing Tenure Occupied Units Renter Occupied Population6452
Housing Tenure Occupied Units Renter Occupied Average Household Size2