Alabama Home Insurance FAQ - Quick Answers

In Alabama, you can expect to pay a unique rate for your home insurance since coverage is based on your exposures. Homeowners premiums are on average $1,433 per year in Alabama. There are 1.3 natural disasters annually in Alabama, which could impact your home insurance rates. The top losses are due to tornadoes and severe storms that can cause major damage to your property. While you won't know your exact insurance premiums without a qualified quote, you can understand how they're calculated. 

The average Alabama homeowners insurance policy will come with standard coverages automatically. Every Alabama home policy has a limit of protection for dwelling, other structures, personal property, medical payments, additional living expenses, and liability. These amounts of coverage are adjusted according to the value of your Alabama home and needs. Common exclusions under your home policy are floods, earthquakes, and terrorism. Some of these exclusions can be added back in for an additional premium, or a separate policy can be purchased. 

In Alabama, homeowners insurance isn't required by law when you own a property. However, it is required if you have a mortgage or a loan out against your home. Alabama had 670,506,000 home insurance claims paid in one year alone. This makes having the right protection necessary to avoid financial ruin. 

Your Alabama home insurance premiums can vary, but the average cost is $1,433 per year. A number of varying factors can play a role in calculating your insurance pricing. If you're in an Alabama city with a higher than normal crime rate, you can expect to pay more for home insurance. The same thing goes for low credit scores, anything below a satisfactory score will get you paying higher rates on coverage. To ensure that you're obtaining competitive pricing, reviewing your individual risk factors with a qualified professional can help.   

Your Alabama homeowners insurance policy rates will be impacted, the more claims that are filed from natural disasters in your area. Some of the most reported Alabama homeowners insurance annual losses include severe storms(41/year) and tornadoes (44/year). To better protect your property from damage, consider reviewing your current home policy for any gaps in coverage.

The best homeowners insurance rates will be based on your unique situation. In Alabama, State Auto, Travelers, Progressive, and Foremost insurance companies have been known to provide the best value. To find which carriers suit your needs, you'll have to compare through a trusted adviser.

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Find Low Alabama Home Insurance Rates near You

How well do Alabama's cities measure up to the national average?

National average burglary rate 3.76 per 1,000 people

National average home value $269,000

National average home insurance cost $1,211 year

CityAnnual insurance costAvg. home valueBurglaries / 1,000 homes
Alabaster$1,392$169,5341.76
Anniston$1,298$105,52928.8
Athens$1,273$148,2043.52
Auburn$1,483$236,7424.29
Birmingham$1,230$88,50014.81
Cullman$1,377$159,5634.98
Daphne$1,580$201,3143.03
Decatur$1,211$125,6757.77
Demopolis$1,175$121,9976.61
Dothan$1,305$142,0006.68
Enterprise$1,417$176,4776.48
Florence$1,328$141,5347.3
Foley$1,574$157,39812.92
Ft. Payne$1,266$117,9215.86
Gadsden$1,174$78,05120.1
Guntersville$1,402$176,18611.28
Huntsville$1,441$182,20010.19
Jackson$1,211$107,15811.18
Jasper$1,340$142,8968.57
Mobile$1,548$125,10011.35
Montgomery$1,284$117,20011.76
Selma$1,163$95,81720.69
Sylacauga$1,206$118,2428.24
Troy$1,391$159,9428.22
Tuscaloosa$1,437$173,10010.8