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Alabama Home Insurance - What's Happening

Alabama homeowners insurance rises and falls with the challenges of living in the state. These challenges create risk for insurance providers, resulting in expensive quotes for homeowners. In the second quarter of 2014, the Alabama home insurance quotes averaged $1,058, compared with the national average of $829.

Part of the reason Alabama home insurance rates are high is weather. Located in the heart of the tropical storm and hurricane-prone Southeast and subject to major thunderstorms as well, parts of Alabama experience frequent weather damage. Alabama also is tied with Kansas for the most severe tornadoes in the country.

That said, a high state average doesn't mean you can't find Alabama home insurance quotes that fit your budget and coverage requirements. What are you waiting for? Give us a call or enter your ZIP code above. You'll be one step closer to the Alabama homeowners insurance policy you deserve!

Curious about car insurance? Click here to learn more about auto insurance in Alabama.

Alabama Home Insurance Report Card

We get that buying home insurance is complicated. We've demystified it by assigning each state grades based on information collected from customers about their houses. It's a coloring-outside-the-lines approach that shows how factors about a home can affect what you pay for coverage.


Home Grade

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Property Grade

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Bonus Grade

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Overall Grade

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Home (Grades related to the house itself)

The average Alabama home is newer, smaller, and cheaper to replace in the event of a total loss. That's a winning combination!


Average year built

The average Alabama home was built in 1989, which is appealing to insurance carriers.


Average home size

A smaller home generally is easier to insure, which is why Alabama's 1,862 square-foot average is favorable to the national average of 1,971 square feet.


Average replacement cost

This is one metric where Alabama shines. At $231,725, Alabama replacement costs are much lower than the U.S. average of $278,576.


% of homes with sump pump

Less than 1% of homeowners have sump pumps, in part because only 22% of homes have basements.

Property (Factors related to the property and location)

Alabama homeowners insurance covers your home and other structures on your property, including garages, fences, and swimming pools. Once again, the Dixie State was a top performer.


Average structure cost

The average insured cost of other structures belonging to Alabama homeowners was less than $15,000, much lower than the national average of $26,165.


% of homes with a swimming pool

5.5% of Alabama homeowners have on-property pools, similar to the national average. Pools increase risk for claims and lawsuits, and drive up insurance quotes.


%ATV/Snowmobile on property

Alabama finished below the national average for homeowners with ATVs and snowmobiles on property.

Bonus (Other factors that influence your home insurance premiums)


% of homes with fire extinguishers

97% of Alabamans reported having fire extinguishers, the fifth highest percentage in the country. This helps reduce the severity of fire claims, which are among the most expensive for insurance carriers.


% of homes with dead bolt locks on exterior doors

Deadbolt locks improve home security and help keep your home safe. More than 99% of homes have taken this precaution, placing Alabama in the top 10.


% of homes with smoke detectors

The state again ranked highly for this measure, which helps keep small fires small.


% of homes with security alarms

25% of homes have installed security alarms, more than every state except Georgia, Texas, North Carolina, and New Mexico!

Overall Grade - A+ (a cut above the rest)

Despite typical Alabama home insurance premiums exceeding the national average, the Yellowhammer State finished near the top of our rankings. Here's a breakdown of what makes Alabama home insurance quotes so favorable.

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