Alabama Home Insurance Quotes
4.5/5 stars Read Reviews
Call Us Now: Finding competitive, low cost Home Insurance quotes in Alabama just got a whole lot easier. At HomeInsurance.com, you can fill out one form and get multiple quotes. Get a new, 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.
Our team of licensed agents will shop for your Alabama home insurance policy and help you get the best rate on the most comprehensive coverage. You'll get access to bundle discounts and apples-to-apples comparisons for multiple AL insurance providers.
Get the Best Home Insurance Rates in AL
Homeowners in Alabama are paying around $907.00 for home insurance as of April of 2013. Rates have decreased since March when Alabama homeowners insurance premiums were approximately $909.00. The rate of $907/year reflects standard coverage and does not include flood or earthquake damage which is covered under a separate policy. Read more about flood insurance.
Average Premiums for Home Insurance In Alabama |
||||
| Apr 2013 | Mar 2013 | Feb 2013 | Jan 2013 | Dec 2012 |
| $907.00 | $909.00 | $912.00 | $921.00 | $943.00 |
Though average Alabama homeowners insurance premiums have decreased, you should stay mindful of how much you are paying to insure your home - and where you can save. Taking advantage of discounts can keep your rates low and 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.
Enter your ZIP code in one of the forms above or call 1-877-919-5198 now to start getting Alabama home insurance quotes tailored to your needs. Our agents will work with multiple carriers to get you the best rates for your AL policy. They also will make sure you get every available discount. Potential discounts include the following:
- Home-auto bundle. Save up to 20% by buying both coverages from the same provider.
- Nonsmokers. Save up to 20% if no one in your households smokes.
- New home. If your home was built within the past 10 years, you could save up to 20%.
- 55 or older, retired. Save up to 20% - certain conditions apply.
- Claims-free. Save up to 20% if you haven't filed any home insurance claims within the past 10 years.
- Alarm systems. Save up to 10% if you have one. You'll need a certificate from your provider.
- Fire/smoke detectors and deadbolt locks also could mean savings.
Discounts vary widely by provider. All discounts aren't available in every state.
See what your neighbors in Alabama are paying
Curious about how much you could save on your home insurance premiums? Here are details of the last five policies written in Alabama by HomeInsurance.com agents.
Premiums vary according to square footage, location, features of the home and other factors.
| Home 1 | Home 2 | Home 3 | Home 4 | Home 5 | |
|---|---|---|---|---|---|
| Premium Amount | $1,112 | $683 | $645 | $987 | $865 |
| Premium with Auto Discount | $1,112 | $683 | $645 | $989 | $865 |
| Carrier | Liberty Mutual | ASI | ASI | Safeco | ASI |
| Zip | 35179 | 36830 | 35640 | 35205 | 36109 |
| Year Built | 1957 | 1964 | 2004 | 1945 | 1986 |
| Foundation type | Crawl Space | Crawl Space | Crawl Space | Crawl Space | Slab |
| Lot Size | N/A | N/A | N/A | N/A | N/A |
| Square Feet | N/A | N/A | N/A | N/A | N/A |
| Bedrooms | N/A | N/A | N/A | N/A | N/A |
| Bathrooms | N/A | N/A | N/A | N/A | N/A |
| Discounts | | | | | |
| Primary Heat Source | Central Gas | Central Gas | Central Electric | Central Electric | Central Gas |
Standard Alabama Home Insurance Coverages
| 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. |
Alabama Homeowners Insurance News
-
MLB, players team up to continue Joplin recovery effortsFriday, May 11, 2012
-
Alabama neighborhoods coming back following last year's tornadoesFriday, April 27, 2012
-
Week of storms led to majority of Alabama insurance claims for all of 2011Friday, April 20, 2012
-
Insurance damages from tornado outbreak may reach $2BWednesday, March 07, 2012
-
2011 trend of severe weather events continues into 2012Monday, January 30, 2012
Other Alabama Homeowners Resources:
- Home Insurance Quiz- How much do you know about your Alabama home insurance policy? Quiz yourself!
- Homeowners Insurance Calculator- How much Dwelling Coverage do you need? See average dwelling costs in Alabama
- Alabama Home Inventory Checklist- Download and Print our home inventory checklist for free.
Search for home insurance in your Alabama county:
- Autauga
- Baldwin
- Barbour
- Bibb
- Blount
- Bullock
- Butler
- Calhoun
- Chambers
- Cherokee
- Chilton
- Choctaw
- Clarke
- Clay
- Cleburne
- Coffee
- Colbert
- Conecuh
- Coosa
- Covington
- Crenshaw
- Cullman
- Dale
- Dallas
- DeKalb
- Elmore
- Escambia
- Etowah
- Fayette
- Franklin
- Geneva
- Greene
- Hale
- Henry
- Houston
- Jackson
- Jefferson
- Lamar
- Lauderdale
- Lawrence
- Lee
- Limestone
- Lowndes
- Macon
- Madison
- Marengo
- Marion
- Marshall
- Mobile
- Monroe
- Montgomery
- Morgan
- Perry
- Pickens
- Pike
- Randolph
- Russell
- Saint Clair
- Shelby
- Sumter
- Talladega
- Tallapoosa
- Tuscaloosa
- Walker
- Washington
- Wilcox
- Winston
Customer Reviews in Alabama
For additional information about specific insurance laws in Alabama, visit the Alabama Department of Insurance website.
