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Shelby County, AL Homeowners Insurance Quotes
If you own a home in Shelby County, AL you are currently paying around $125.08 per month for a standard homeowners policy. A standard HO-3 policy normally coverages your home against windstorms, lightning and fire damage. In Alabama, your premium could be in the average rate range of $1501 per year. We like to help customers compare multiple home insurance rates all in one place. Our shopping process is a hassle free and we are here to help you review prices as well as coverage options that best fit your financial needs. You may want the lowest price but it is important to email or speak with us when it comes to cost versus coverage. Our consulting process if free and we can first review up to 12 major carriers with competitive rates in your area. Next, we can compare rate and coverage options. And last we can help you review enhanced coverage options like wind/hail or flood and include any homeowners insurance discounts that may apply to help you save more money on your home insurance needs.
For all Shelby 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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Are you looking for a homeowners insurance quote in Shelby 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.
Shelby County, AL Housing Demographics
With 195,085 residents living within the Shelby County area there are over 80,970 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 53,733 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 Shelby County.
Demographic | Values |
---|---|
Total Occupied Households | 74,072 |
Family Households (families) | 53,733 |
Average Owner Occupied Household Size | 3 |
Average Family Size | 3 |
Total Housing Units | 80,970 |
Shelby County, AL Home Insurance Average Premiums
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 Rating | Annual Premium |
---|---|
Minimum Range: | $793 /yr. |
Current Average Cost: | $1,173 /yr. |
Maximum Range: | $1501 /yr. |
Alabama Homeowners Insurance News & Information
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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, […]
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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 […]
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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. […]
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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 […]
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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 […]
Discounts For Homeowners in Shelby 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 Shelby 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 Shelby 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 Shelby 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.
Shelby County Housing & Real Estate Data
Details: | Statistics |
---|---|
Total Housing Units | 80970 |
Occupied Housing Units | 74072 |
Vacant Housing Units | 6898 |
Vacant Housing Units for Rent | 2176 |
Vacant Housing Units Rented Not Occupied | 121 |
Vacant Housing Units For Sale | 1662 |
Vacant Housing Units Sold Not Occupied | 254 |
Vacant Housing Units For Seasonal Occasional Use | 1221 |
Vacant Housing Units All Other Vacants | 1464 |
Housing Units Homeowner Vacancy Rate Percent | 3 |
Housing Units Rental Vacancy Rate Percent | 13 |
Housing Tenure Occupied Units | 74072 |
Housing Tenure Occupied Units Owner Occupied | 59129 |
Housing Tenure Occupied Units Owner Occupied Population | 157687 |
Housing Tenure Occupied Units Owner Occupied Averge Household Size | 3 |
Housing Tenure Occupied Units Renter Occupied | 14943 |
Housing Tenure Occupied Units Renter Occupied Population | 34824 |
Housing Tenure Occupied Units Renter Occupied Average Household Size | 2 |