Popular QuestionsPopular Questions about Alabama Home Insurance

What does my Alabama home insurance do for me?

Your home insurance gives you a backup plan in case a catastrophe strikes in your neighborhood. Whether it's a fire, heavy winds or a burglary, you're covered if you have a suitable Alabama homeowners insurance policy.

Pays for repairs to your home and your belongings

  • Example: A tree falls on your house, and rain ruins your 60" Samsung TV.

Pays for someone else's injuries or property damage when it's your fault

  • Example: Your kid is playing baseball and accidentally smacks the ball through your neighbor's window.

Pays for temporary living expenses when your home is damaged

  • Example: You need a hotel while your house's roof is being repaired due to a fallen tree.
Will I actually use my Alabama homeowners insurance?

We can’t be 100% certain, but in 2016, insurance companies spent more than $670 million on home insurance claims in Alabama. That's a lot of unfortunate events happening to Alabama homeowners.

How is my Alabama homeowners insurance calculated?

Insurance carriers calculate the cost of a home insurance policy by asking "how likely is it that something bad will happen?" The more likely it is that something bad will happen, the more expensive the home insurance policy will be, and vice versa. We call these potential disasters "risk." Let’s take a look at how risky Alabama is compared to the rest of the US.

Crime:

The overall burglary rate in Alabama is significantly higher than the national average. This can have an adverse effect on homeowners insurance rates.

  • Average number of burglaries per 1,000 homes in AL: 7.00
  • Average number of burglaries per 1,000 homes in the U.S.: 4.69

Weather:

Winter weather in Alabama can cause a lot of difficulties for local homeowners. Severe storms caused by hurricanes in the Gulf and along the Eastern seaboard play a large role in damaging area homes.

  • Number of federally declared disasters since 1953: 79
  • Most common cause of disasters in the state: Severe Storms
  • Average number of tornados per year in the state: 47.1
  • Amount paid in home insurance claims in 2016: $670,506,000

Home Values:

The estimated cost to rebuild your home will play a large role in how much your home insurance costs. In Alabama, the average home values are lower than the national average, and this can help to keep insurance costs in check despite the weather-related hazards and high crime rates in this state.

  • Average home value in AL: $136,200
  • Average home value in the US: $188,900
How much does Alabama home insurance cost? $1,358

The average American homeowner pays $1,173 per year for home insurance, but in Alabama, the average annual premium is $1,358. Even though insurance is more expensive for homes in Alabama, having insurance is vitally important because inclement weather and other hazards can cause serious damage to homes each year.

alabama home insurance cost chart
Are there any independent agents in Alabama?

Yes! There are 335 independent agents in Alabama who are ready to help. Did you know that independent insurance agents can give you multiple policy options to choose from? That way, you'll receive completely customized coverage that addresses all of your unique insurance needs.

What is the best insurance company in Alabama?

An independent agent compares policies from multiple companies to find you the best coverage for your needs and budget. Here are some companies our agents will use in Alabama: 

travelers insurance
stillwater insurance group
safeco insurance
metlife auto & home

InformationFind the Best Insurance in Your City

Now, let's take a quick peek at what’s going on in your city. Insurance companies look at a lot of factors when determining home insurance costs. One of many factors is location. Crime rates, weather catastrophes and the overall cost of your home will also factor into how much your home insurance will cost.

How does your city measure up to the national average?

  • National average home value - $188,900
  • National average of burglaries per 1,000 homes - 4.69
  • National average of yearly cost for home insurance - $1,173


CityAvg. Monthy Cost for Home InsuranceAvg. Yearly Cost for Home InsuranceAvg. Home ValueBurglary Rate Per 1,000 homes
Mobile$129$1,548$125,10011.35
Daphne$132$1,580$201,3143.03
Foley$131$1,574$157,39812.92
Jackson$101$1,211$107,15811.18
Montgomery$107$1,284$117,20011.76
Dothan$109$1,305$142,0006.68
Enterprise$118$1,417$176,4776.48
Troy$116$1,391$159,9428.22
Auburn$124$1,483$236,7424.29
Anniston$108$1,298$105,52928.80
Birmingham$103$1,230$88,50014.81
Alabaster$116$1,392$169,5341.76
Tuscaloosa$120$1,437$173,10010.80
Sylacauga$101$1,206$118,2428.24
Decatur$101$1,211$125,6757.77
Gadsden$98$1,174$78,05120.10
Guntersville$117$1,402$176,18611.28
Cullman$115$1,377$159,5634.98
Ft. Payne$106$1,266$117,9215.86
Jasper$112$1,340$142,8968.57
Huntsville$120$1,441$182,20010.19
Florence$111$1,328$141,5347.30
Athens$106$1,273$148,2043.52
Demopolis$98$1,175$121,9976.61
Selma$97$1,163$95,81720.69

Mobile, AL Home Insurance

Homeowners in Mobile pay an average of $129 per month for their home insurance coverage. This city is no stranger to natural disasters, with an average of 23 per year. This is nearly double the national average. The higher chances of water damage, wind damage or fires from lightning can cause a spike in your home insurance premium. Fortunately, with average home values that are lower than in most of the state, insurance costs in this city are not unmanageable.

Mobile has a high crime rate, with significantly more burglaries than the national average. If your home is targeted by a robber, it can be traumatic, but your home insurance will cover the cost of damage and pay to replace any stolen valuables.

Independent agents take the guesswork out of buying home insurance. Your agent will take time to consider the most worrisome risks for your home and then shop rates from multiple carriers to find the most affordable coverage for your needs.

Daphne, AL Home Insurance

The average monthly cost of home insurance in Daphne is $132. Home insurance prices are higher than in some areas because of the increased risk of property damage due to natural disasters and because, on average, homes are considerably more expensive in this city than throughout most of the state. Fortunately, the burglary rate in this city is low, and that helps to keep costs for coverage affordable.

Heavy rains and serious storms can lead to roof damage over time. A leak in the roof could cause major water damage inside your home. Fortunately, your home insurance policy will cover the cost of repairs if you file a claim for water damage in Daphne. 

Instead of purchasing your home insurance directly from a carrier, choose an independent insurance agent to enjoy major savings. Independent agents will shop rates from multiple companies on your behalf, saving you time and money in the search for the best coverage.

Foley, AL Home Insurance

On average, Foley residents pay $131 per month for their home insurance coverage. Homes in this area are generally more expensive than throughout most of the state, and bad weather is all too common. Foley’s higher risk for serious storms and tornadoes could drive up rates on home insurance. Several other factors can influence your personalized premium, too. Your home's size and age, your credit score and your previous claims could all impact your rate.

Each year, Foley residents have to cope with severe thunderstorms that deliver dangerous lightning to the city's neighborhoods. If lightning hits your home and causes a fire, you can rely on your home insurance to cover the cost of repairs. Likewise, your home insurance can provide compensation for loss or damage due to property crimes. This is good news, considering Foley’s high burglary rate.

Independent insurance agents make it simple to find the best Foley home insurance. Your agent will offer quotes on multiple policies and help you compare coverage options to find a plan that is right for your home.

Jackson, AL Home Insurance

The average monthly cost of homeowners insurance in Jackson is $101. Houses are valued lower in this city than throughout much of the state, and this helps to keep insurance costs in check. Jackson's frequent storm activity can spell disaster for local homes. Fortunately, home insurance protects your finances in case your home is damaged by lightning, wind or hail.

High wind gusts, blowing through Jackson during severe storms, can cause damage to roofs and even cause trees to fall in many neighborhoods. If your home is damaged by tornadoes or high-speed winds during a storm, you can file a claim with your home insurance provider and get the compensation you need to pay for repairs. You can also turn to your homeowners insurance company if your house is burglarized. Given Jackson’s high burglary rate, this is good to know.

Unlike a specific carrier or an agent who works for a specific company, an independent agent has the freedom to quote multiple companies. The agent will make sure you receive the best home insurance for your needs.

Montgomery, AL Home Insurance

Residents of Montgomery pay an average of $107 per month for their homeowners insurance. Your home insurance premium will largely depend on the risks you face as a homeowner. In Montgomery, severe storms often cause damage to homes, with fires sparked by lightning or wind damage to roofs. Ultimately, your rate will be determined by these risks along with the size and age of your home, your credit score, and a few other variables. Because house values in this city are lower than the state average, so too are insurance costs.

Montgomery's crime rate is well above the national average, meaning home invasions and burglaries are a frequent concern. If your home is burglarized, be sure to contact the authorities and get a copy of the police report. You can then file a claim and get the money you need to repair any property damage and replace the items that were stolen. An independent agent can assist you throughout the claims process.

Unlike a specific carrier or an agent who works for a specific company, an independent agent has the freedom to quote multiple companies. The agent will make sure you receive the best home insurance for your needs.

Dothan, AL Home Insurance

On average, resident of Dothan pay $109 per month for their home insurance. Living in a high-risk area can cause home insurance rates to spike. In Dothan, tornadoes and severe storms are an ongoing problem. In fact, in 2007, an F4 tornado near Dothan killed 9, injured 50 and did $250 million in damage to local homes. This increased weather threat could drive up the cost of homeowners insurance in Dothan. 

A tornado touching down in your neighborhood can send a rush of fear through the whole family. As the winds pick up, the experience can be even more terrifying, and the damage to your home can be severe. In Dothan, tornado damage is a real problem, with frequent storms impacting local neighborhoods. If your home is damaged, whether due to weather or property crimes, just file a home insurance claim and you'll be covered.

Instead of buying home insurance directly from a carrier, use an independent agent who is free to shop quotes from multiple companies. The agent will work on your behalf to get you the best home insurance for your unique needs.

Enterprise, AL Home Insurance

The average monthly cost of homeowners insurance in Enterprise is $118. Higher-than-average home values are one reason for the higher-than average rates. Your actual home insurance cost will vary depending on the size and age of your home, the crime rate in your neighborhood and several other factors. 

Though the crime rate in this city is lower than the state average, Enterprise is well-known for severe weather that sometimes brings major hailstorms, a nightmare for homeowners. If hail damages your roof, causing a serious flood in your attic, you don't have to panic. Just file a claim with your homeowners insurance provider and the cost for repairs will be covered.

To get the best rates on a reliable homeowners insurance plan, choose an independent insurance agent who can work on your behalf. Your agent will compare quotes from multiple companies and help you find a plan that is right for your needs.

Troy, AL Home Insurance

On average, homeowners in Troy pay $116 per month for their home insurance coverage. Living in Troy means you'll have to deal with frequent thunderstorms, serious rainstorms and even occasional hail. This can increase your risk for property damage, driving up your rates on home insurance. Several other factors will also impact your premium, like the age and square footage of your home and the crime rate in your neighborhood.

Homeowners insurance is designed to cover the various risks you may encounter. For example, if you walk out to the laundry room one day and discover that a pipe has burst and the floor is covered in water, there's no need to panic. Water damage is a major headache, but you'll be financially covered through your home insurance plan. Just file a claim and the insurance company will pay for repairs. It can also cover against property crimes, which may come in handy given Troy’s higher-than-average burglary rate.

Independent insurance agents offer one-on-one support to homeowners in Troy as they shop for the best rates on home insurance. Your agent will work on your behalf to shop quotes from multiple companies and find you the best plan to protect your home from common threats in Troy.

Auburn, AL Home Insurance

The average monthly cost of home insurance in Auburn is $124. This is one of the highest rates in the state, mainly because of the high property values in this city. Though the crime rate is low, Auburn homeowners have to deal with ongoing threats from serious storm systems. Depending on where you live in the city,and your individualized risk factor, these threats could cause a spike in your home insurance rates. Other factors that influence your premium will be your credit score, your previous claims, and information about the age and structure of your home. 

Auburn home insurance is designed to cover several potential hazards. For example, if you experience a fire resulting from an electrical spark, it can be terrifying. Once the fire department arrives and puts out the flames, you'll have to assess the damage. While it's heartbreaking to go through a home fire, your home insurance plan offers protection and will cover the cost of repairs or rebuilding after this kind of catastrophe.

Unlike specific carriers, independent agents can offer more options. They provide quotes from multiple companies, giving you access to more options, better rates and a customizable approach to homeowners insurance.

Anniston, AL Home Insurance

In Anniston, residents pay an average of $108 for their home insurance coverage. Your particular cost will be determined by several factors like the size and age of your home, your claims history, and the amount of coverage you are purchasing. The local weather will also play an important role in determining your risk factor for property damage. In Anniston, severe storms are common, which could increase rates for some homeowners.

Unfortunately for residents of this city, the burglary rate here is extremely high. It is about four times the state average and six times the national average. This can lead to an increase in insurance rates for many of this city’s residents. In the event that you come home and find your house has been burglarized, first ensure that you and your family are safe, and then call the police. You will need a copy of the police report and a detailed list of your stolen property when you call to file an insurance claim.

When you buy insurance directly from a carrier, the policy options you'll be able to choose from are limited. With an independent agent, you can compare rates from multiple companies, thus having the best chance to find reliable homeowners coverage at an affordable price.