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Marshall County, AL Homeowners Insurance Quotes

Getting the afforable homeowners coverage that you want in Marshall County can be difficult with so many options available from local captive agents to the online comparison marketplace. It is important to know that proper coverage means doing the necessary research on your own or speaking with a home insurance professional that can help you find the affordable coverage you need with a carrier you trust. Shopping online with us at GetHomeInsuranceQuotes.com of Alabama allows you to get top quality service from the best insurance carriers available in your area. Our rates can be shared with you online, through email, on the phone or even on our chat mesage service to help make shopping easier for you. It's important you know the coverage options available for your home in Marshall County, that's why our experience staff of over 20+ years can answer any questions that you may have about your current policy. And most of all, we can provide easy ways to help you save more money while getting more protection for your home in case if something happens. Start your online home insurance quote today!

Marshall County, AL Prices Per Year

Alabama homeowners insurance premiums are on the increase year over year. It's not very often that we witness a decrease in home insurance rates when we compare annual premiums in all 50 states. Currently, Marshall County is ranked higher in the nation with an average annual premium of $1501/yr. When comparing home insurance cost and coverage options, it's important to understand that the base premium for a standard homeowners policy may look great in terms of affordability, but maybe not so helpful in terms of the coverage and protection when you need it the most. Let us help you first compare quotes and then we can provide a free consultation to help you determine the best company and coverage options available in Marshall County.

For all Marshall 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.


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Marshall County, AL Housing Demographics

With 93,019 residents living within the Marshall County area there are over 40,342 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 25,328 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 Marshall County.

DemographicValues
Total Occupied Households35,810
Family Households (families)25,328
Average Owner Occupied Household Size3
Average Family Size3
Total Housing Units40,342

Marshall County, AL Home Insurance Average Premiums

Local Marshall, 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

  • Homeowner’s Insurance Premiums Skyrocket: Forcing Homeowners to Consider Moving Posted on Thursday 11th September, 2025

    While states like Florida, California and Louisiana have seen climbing insurance costs for years due to severe weather, flooding and hurricanes, other states, Colorado and Illinois are good examples, are seeing climbing rates as well due to hailstorms and wildfires.  As homeowner’s insurance premiums skyrocket, for some policyholders, the math no longer makes sense forcing […]

  • New Report Reveals Reasons Why Home Insurance Prices Increase Posted on Monday 8th September, 2025

    Owning a home is becoming harder to afford for many Americans, in many cases due to the high cost of homeowners insurance. A recent report found that energy companies are responsible for a large amount of the pollution that is leading to climate change and more extreme weather, wildfires and flooding.  A report recently released […]

  • Homeowners in Florida Finally See Relief From Higher Insurance Costs Posted on Wednesday 27th August, 2025

    According to a recent Realtor.com article, homeowners in Florida, at least some of them, may finally seem some relief from higher homeowner insurance costs.  Florida Peninsula Insurance which is one of the largest private party property insurers recently announced that it is hoping to significantly lower premiums for roughly 170,000 policyholders.  Florida Peninsula has filed […]

  • How can I lower my homeowners insurance rate? Posted on Monday 18th August, 2025

    According to a recent report from the National Association of Realtors, homeowner insurance premiums have jumped up 10% since last year which follows a similar increase in 2023. Premium increases were even higher in states where severe weather and wildfires were more common.  In a recent AOL.com article, Paul Burns commented on how he had […]

  • 5 Perils Not Covered by Homeowners Insurance Posted on Tuesday 29th July, 2025

    Homeowners insurance is an absolute necessity to protect your home and its contents. If you have a mortgage on your home, it is also required. While homeowners insurance offers plenty of protection, there are gaps in coverage that you should be aware of because they can lead to massive out of pocket costs if you […]

Discounts For Homeowners in Marshall 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 Marshall 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 Marshall 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 Marshall 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.

Marshall County Housing & Real Estate Data

Details:Statistics
Total Housing Units40342
Occupied Housing Units35810
Vacant Housing Units4532
Vacant Housing Units for Rent994
Vacant Housing Units Rented Not Occupied53
Vacant Housing Units For Sale661
Vacant Housing Units Sold Not Occupied177
Vacant Housing Units For Seasonal Occasional Use1126
Vacant Housing Units All Other Vacants1521
Housing Units Homeowner Vacancy Rate Percent3
Housing Units Rental Vacancy Rate Percent9
Housing Tenure Occupied Units35810
Housing Tenure Occupied Units Owner Occupied25318
Housing Tenure Occupied Units Owner Occupied Population64506
Housing Tenure Occupied Units Owner Occupied Averge Household Size3
Housing Tenure Occupied Units Renter Occupied10492
Housing Tenure Occupied Units Renter Occupied Population27466
Housing Tenure Occupied Units Renter Occupied Average Household Size3