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What type of insurance do you need?
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
Pays for someone else's injuries or property damage when it's your fault
Pays for temporary living expenses when your home is damaged
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.
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.
The overall burglary rate in Alabama is significantly higher than the national average. This can have an adverse effect on homeowners insurance rates.
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.
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.
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.
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.
The best insurance company for one person might not be the best choice for another. An independent insurance agent compares policies from multiple companies to find you the best coverage
National average burglary rate 4.69 per 1,000 homes
National average home value $188,900
National average home insurance cost $1,173 year
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