Alabama Home Insurance Quotes
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.
Home insurance rates in Alabama
Homeowners in Alabama are paying around $968.00 for home insurance as of October of 2013. Rates have increased since September when Alabama homeowners insurance premiums were approximately $956.00. The rate of $968/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
|Oct 2013||Sep 2013||Aug 2013||Jul 2013||Jun 2013|
Since average Alabama homeowners insurance premiums have increased , 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 1-877-295-3422 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.
Insurance Rates by County
Do homeowners in your area pay more for home insurance than the state average? Use the chart below to see how average insurance premiums in your county stack up against the average rates in your 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 with Auto Discount||$955†||$836†||$354†||$747†||$703†|
|Discounts|| || || || || |
|Primary Heat Source||Central Gas||Central Electric||Central Electric||Central Electric||Central Electric|
Standard Alabama Home Insurance Coverages
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
Other Structures: Other structures such as detached garages or sheds would also be covered under a standard Alabama home insurance policy
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.
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.
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.
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? Get 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 city:
Customer Reviews in Alabama
For additional information about specific insurance laws in Alabama, visit the Alabama Department of Insurance website.