Montgomery Homeowners Insurance

Your Complete Guide to Montgomery, AL Homeowners Insurance

(Find the right homeowners insurance policy for you.)


With strong historic roots, high-quality education and culturally diverse communities, Montgomery, AL is a city that families flock to. Alabama's capital is home to 201,332 residents, who take pride in calling the area home. It's even been given the National Civic League's All-America City Award, but the city still presents a number of risks to homeowners.

The only way to financially protect your family and home is to partner with an independent insurance agent. These agents are locally based and very familiar with life in Montgomery. They will accurately assess your unique risks and find a personalized homeowners insurance policy that meets your budget.

  • National yearly premium average: $1,211
  • Alabama yearly premium average: $959

Alabama certainly sees higher-than-average premium rates when it comes to homeowners coverage, but those rates are typically a result of overall statewide weather risks. Your individual Montgomery homeowners policy is based on your unique risks and is personalized based on factors like your home's age, building materials, and proximity to a fire station. Independent agents will find you coverage from a reputable insurance company that meets your budgetary restrictions.

Second Home and Vacation Home Insurance

As the state's capital, Montgomery is a hot spot for second homes and vacation homes. It's also an ideal place for tourists and visitors to rent homes or rooms for a few nights, leaving homeowners of secondary properties at risk for numerous situations. Let a reliable agent explain how extra protection for these properties will give you peace of mind. Since these homes are likely to be vacant more often than your primary residence, they need proper insurance.

Number of Thefts in Alabama

  • National average for burglaries: 3.76 
  • Alabama number of burglaries: 5.9 

You can leave porch lights on and install a high-tech security system, but the fact remains: A burglary can happen without warning and when you least expect it. To ensure you're fully protected, get a Montgomery homeowners insurance policy that compensates you for damaged or stolen property after a break-in. You may even receive discounts based on precautionary measures you take — just talk to an agent about your options and coverage details.


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Catastrophic Events in Alabama

  • Number of declared disasters in Alabama: 93
  • Most common reasons for disasters in the state: Severe Storms 
  • Average number of tornadoes per year in Alabama: 44
  • Average amount of property damage per year in Alabama: $670,506,000
  • 1 in 15 insured homes has a claim each year

Homeowners insurance is designed to cover you against a variety of hazards you face as an Alabama homeowner. Fires, severe weather, and break-ins can cause significant damage to your home, and without home insurance, you’d have to pay for repairs on your own.  One tornado can wipe out your entire property and leave you with nothing. An insurance agent can help you review your structure and contents coverage limits so you can be sure that they are high enough to enable you to rebuild, repair, or replace should the worst happen. . 

What Are the Risks in Montgomery, AL?

The biggest risks for Montgomery residents are tornadoes and severe weather. Tornadoes can potentially bring tree and roof damage, flooding, and busted windows. As a metropolitan area, Montgomery also sees property damage and burglaries. It's best to know about the wide variety of risks you face to choose a policy that best protects you, whatever the situation.

Compare Montgomery Home Insurance Quotes

Trusted Choice independent insurance agents are your partner-in-crime when it comes to protecting your family and home. These agents are local and friendly and have experience in assessing an individual's unique risks and needs before comparing numerous quotes from a variety of insurance carriers. Let an agent help you find a comprehensive, personalized and affordable Montgomery home insurance policy today.

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