Alabama Homeowners Insurance

Shopping for homeowners insurance doesn’t need to be complicated. Compare Alabama rates by city and carrier below.

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Find affordable home insurance in Alabama


Homeowners insurance isn't required, but it is important. A home insurance policy keeps your personal items protected. Home insurance covers your dwelling and property in the event of a variety of circumstances, including wind damage, fire, theft, vandalism, and others.

Homeowners costs in US states diverge based on the value and number of home policy claims filed statewide, and depend on the value of the belongings and dwelling you're insuring.

The best way to find cheap homeowners insurance in Alabama is to compare rates from multiple insurance companies. Learn more about how much home insurance costs in Alabama by referencing the below data. Remember: your home insurance rates will vary, depending on your coverage limits.


Homeowners insurance in Alabama:
  1. By company
  2. Rates by city
  3. How to bundle home and auto insurance


Home insurance rates in Alabama by carrier

Homeowners insurance rates in Alabama can vary based on the insurance company you choose. Farmers offers the most affordable home insurance in Alabama — $604 each year. This compares favorably to the state mean rate of $2,328, providing a $1,723 price cut on the state's average rate.

Start looking for cheap home insurance by reviewing the most affordable Alabama home insurance carriers, detailed below.


HOMEOWNERS INSURANCE RATES IN ALABAMA: BY CARRIER
CarrierAverage Annual Rate in Alabama
Farmers$604.34
Allstate$1,207.41
Cincinnati Insurance$1,317.59
MetLife$1,604.74
USAA$2,065.47


Another option for your home insurance is through Hippo Insurance. Unlike the above companies, Hippo creates an entirely automated quoting process to cut down on their overhead — thereby saving you money. Hippo advertises you can save as much as 25% on your home insurance. Click here or below to get started.



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Alabama home insurance by city

Not all Alabama cities have equal homeowners insurance rates. Policy pricing may depend on local variables such as the number of claims filed in the immediate area, lending your ZIP code plenty of weight in deciding how much you pay.

The most affordable home insurance rates in Alabama are in Alabaster. A typical home insurance term in Alabaster costs just $1,691 per year — $637 less than the statewide average. Reference the below table to see the cheapest cities in Alabama for home insurance.

AFFORDABLE HOMEOWNERS INSURANCE BY CITY IN ALABAMA
City
Average Yearly Home Insurance Rate
Alabaster
$1,690.61
Auburn
$1,751.03
Hoover
$1,770.84
Opelika
$1,798.29
Montgomery
$1,863.32

 

Home and auto insurance bundles in Alabama

If you're trying to save, consider holding your home and auto policies with the same insurance company. A home and car insurance bundle in Alabama can lead to substantial savings on auto insurance. Bundling home and auto policies in Alabama leads to a yearly discount of $150.

HOME AND AUTO INSURANCE BUNDLING SAVINGS IN ALABAMA
Avg. Annual Auto Insurance Rate (No Bundle)
Avg. Yearly Auto Insurance Rate (Bundle)
Annual Bundle Savings
Bundle Savings %
$1,370.00
$1,220.00
$150.00
12%

One of the best ways to save on auto insurance is to bundle policies. Get started today!

 

Compare rates from top car insurance companies.

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Tornado insurance in Alabama

A tornado can hit with precious little warning. There isn't much that you can do to get ready and the effects can be catastrophic. It's vital to insure your home against tornado damage in Alabama, which suffers an average of 47 tornadoes each year.*

Tornado damage comes primarily in the form of wind, so make sure your homeowners policy has windstorm protection, which comes standard with most homeowners policies.

Wind protection covers the exterior and overall structure of the building. Depending on your policy type, you may find that interior damage is only covered when it's caused by exterior damage, like a broken window. Detached structures are also covered, typically about 10% of the home’s insured amount. Bear in mind that certain damages brought about by the storm may not be covered. For example, if the storm that produced the tornado also causes flooding that damages your home, those damages won't be covered unless you have sought out flood coverage.

*Source: NOAA'S National Weather Service (https://www.spc.noaa.gov/gis/svrgis/)

 

Homeowners insurance and hurricanes in Alabama

Since hurricanes can cause calamitous destruction and wipe out properties altogether, insurers are afraid to assume the risks posed by hurricanes. If you own a house in Alabama, there could be increased risk of suffering hurricane damage. In fact, 6,379 single-family homes are highly vulnerable to hurricane damage in Alabama.*

If you live in a coastal area, it's of utmost importance to check and understand your homeowners policy since a basic policy won't be sufficient to cover damage by hurricanes — you would need to bolster your policy with flood and windstorm insurance, both of which would be applicable to cover repairs or replacements. In some states, your insurance company may make it mandatory to have a separate hurricane deductible if you reside in a region that's especially susceptible.

*Source: Insurance Information Institute (https://www.iii.org/fact-statistic/facts-statistics-hurricanes)