Alabama Homeowners Insurance Quotes

Alabama home insurance coverage and rates information.

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Finding competitive, low cost home insurance quotes in Alabama does not have to be a chore. At HomeInsurance.com, you can fill out one form to get a low rate on comprehensive Alabama home insurance coverage. Rest assured knowing our team of Alabama licensed insurance consultants are standing by to give you top notch advice to coverages and rates in your area.

Homeowners in Alabama are paying around $1016.00 for home insurance as of December of 2011. Rates have increased since November when Alabama homeowners insurance premiums were approximately $981.00. The rate of $1016/year includes standard coverage and not flood or earthquake damage which is covered under a separate policy. Read more about flood insurance.

Average Premiums for Home Insurance In Alabama
Dec 2011Nov 2011Oct 2011Sep 2011Aug 2011
$1016.00$981.00$962.00$933.00$904.00

Since average Alabama homeowners insurance premiums have increased, you should stay mindful of how much you are paying to insure your home. Taking advantage of discounts can make sure your rates stay low while keeping your coverage intact. The biggest savings can usually be found with a home-auto discount which can save you around 20% on your Alabama policy. Other discounts may be offered for homes that have burglar alarms and deadbolt locks.

Standard Alabama Home Insurance Coverages

Coverage
A

Dwelling: A standard Alabama homeowners insurance policy should include enough dwelling coverage to pay for the replacement or repair of your home when and if it is damaged in a covered peril
B

Other Structures: Other structures such as detached garages or sheds would also be covered under a standard Alabama home insurance policy
C

Contents/Personal Property: A Alabama home insurance policy will also typically provide coverage for the contents of your home including furniture, electronics, clothing and other personal belongings.
D

Loss of Use: If your Alabama home is damaged in a covered peril, ‘Loss of Use’ coverage pays for alternative accommodations and living expenses while you are unable to live in your home.

E

Personal Liability Protection: In Alabama, your standard homeowners insurance policy will typically provide financial protection in the event of a lawsuit where you have caused damage or bodily harm to another person or their personal property.
F

Medical Payments: Medical Payments coverage, or Alabama MedPay, offers reimbursement for medical bills if someone other than you or a family member is injured on your property and a lawsuit is not involved.

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Customer Reviews in Alabama

The top 5 customer reviews on HomeInsurance.com service and savings in Alabama.
5 Star Rating
Savings: $266/year
Customer: Tawana M.
Date: Jan 13, 2012
The customer service was great and everything was handled in a matter of minutes!
Montgomery, AL
4 Star Rating
Savings: $500/year
Customer: Carrington M.
Date: Sep 22, 2010
Very good experience, thanks.
Birmingham, AL
4 Star Rating
Savings: $350/year
Customer: Claudette J.
Date: Jan 18, 2010
Simple, fast and very professional.
Madison, AL
4 Star Rating
Savings: $507/year
Customer: Linda D.
Date: Jun 23, 2009
Your representative called me back almost immediately. In fact, my phone rang almost as quickly as I hit the submit button. I am absolutely thrilled at the level of service I have received for my Mom's homeowner coverage. What a joy it was dealing with your service.....Thanks!
Gadsden, AL
4 Star Rating
Savings: $302/year
Customer: John E.
Date: Apr 09, 2009
Great Service.
Decatur, AL

For additional information about specific insurance laws in Alabama, visit the Alabama Department of Insurance website.

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