Birmingham, AL Homeowners Insurance

Find cheap home insurance in Birmingham


Home insurance should be a critical consideration for every homeowner. Along with personal property, homeowners insurance covers your dwelling in the event of many perils, including theft, fire, wind damage, and vandalism. Given the relatively frequent occurrence of these incidents and the substantial cost of replacing a home, a homeowners insurance policy is a solid investment.

The cost of home insurance coverage depends on myriad factors, including the value of the dwelling, the value of your personal items, and the materials used to construct the home. Your home's location can also impact how much you pay, as some locations are more prone to destructive hazards. If your area is at risk of being affected by hail, strong winds, fire, frozen pipes, or volcanic activity, then your premiums could be substantially higher than average. Find out more about the specifics of home insurance coverage.

If you want to find affordable home insurance in Birmingham, start with looking around and comparing different policies. Take a look at the summary below showing average home insurance premiums in Birmingham to begin your home insurance search with as much information as possible. One thing to note is that the yearly cost of homeowners coverage is determined based on your chosen coverage limits as well as a number of other rating factors.


Birmingham, Alabama, homeowners insurance — contents:
  1. Rates by insurer
  2. Rates by coverage level
  3. Rates by ZIP
  4. Rates by deductible amount
  5. Bundling discounts

Home insurance in Birmingham by insurance company

What you pay for homeowners insurance in Birmingham will depend on the insurance company you get your policy through. Allstate offers the most affordable home insurance in Birmingham, at just $1,231 per year. This compares favorably to the city’s average homeowners premium of $2,110.

Begin your search for a home insurance policy by reviewing the cheapest companies in Birmingham, Alabama, listed below.


AFFORDABLE HOMEOWNERS INSURANCE COMPANIES IN BIRMINGHAM
CompanyAverage Annual Rate
Allstate$1,231
Metropolitan$1,322
Centauri Specialty$1,743
AAA$1,762
USAA$1,939

Average homeowners insurance prices in Birmingham by coverage amount

How much you spend on home insurance coverage is greatly impacted by the level of coverage you choose. In Birmingham, carrying $200K dwelling coverage costs an average of $1,670, while carrying additional coverage up to $400K costs $2,514 per year.


HOMEOWNERS INSURANCE RATES IN BIRMINGHAM — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$100K Dwelling$1,001
$200K Dwelling$1,670
$250K Dwelling$1,791
$400K Dwelling$2,514

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Birmingham home insurance prices by ZIP code

Depending on which part of Birmingham you live in, you may see vastly different home insurance costs. The amount of claims filed in your local area can be a factor in determining the price of your policy. Put simply, the neighborhood you live in could have a huge impact in what you pay for homeowners coverage.

If you're looking for the most affordable homeowners coverage in Birmingham, take at look at the 35242 ZIP code. In the 35242 area, homeowners coverage usually costs just $1,651 on average — a full $459 less than the overall average for Birmingham. If you’re looking for the areas with the least expensive homeowners premiums in Birmingham, have a look at the table below.


AFFORDABLE ZIP CODES FOR HOMEOWNERS INSURANCE IN BIRMINGHAM
ZIP CodeAverage Annual Home Insurance Rate
35242$1,651
35243$1,838
35244$1,848

Other parts of Birmingham, however, have homeowners insurance premiums that are higher on average. Crime rates, fire risk, and even your how close you are to emergency services such as fire and police stations could impact rates the risk level of certain parts of the city, which could drive up area rates. One of the costliest ZIP codes for home insurance in Birmingham is 35254, with an annual average rate of $2,576.


EXPENSIVE AREAS FOR HOMEOWNERS INSURANCE IN BIRMINGHAM
ZIP CodeAverage Annual Home Insurance Rate
35254$2,576
35294$2,403
35249$2,387

Homeowners insurance deductibles in Birmingham

One of the decisions to be made when buying a homeowners insurance policy is how high to set your deductible. A homeowners deductible is how much your insurance requires you to pay out of pocket toward a claim. Choosing your deductible impacts how much you pay for homeowners insurance.

When thinking about your deductible, a good rule of thumb is that the lower your deductible, the higher your premiums. This means that those looking for lower home insurance costs will want to seriously consider a higher homeowners deductible. It's worth noting that a homeowners deductible should only be as high as you can reasonably pay in the case of an actual loss.

The chart below reveals the average premium costs associated with standard homeowners deductibles.


HOMEOWNERS INSURANCE COSTS BY DEDUCTIBLE IN BIRMINGHAM
Deductible LevelAverage Annual Home Insurance Rate
$500$1,937
$1,000$1,791
$1,500$1,719
$2,000$1,599
$5,000$1,362

Looking for a money-saving tip for insurance in Birmingham? Try bundling

One way to save on insurance costs is to think about bundling your homeowners and auto insurance policies through the same company. Bundling homeowners and auto insurance can be a good money-saving option. By bundling your policies, Birmingham homeowners could see annual savings of 11% on average.


CHEAPEST CAR INSURANCE RATES WITH HOME BUNDLE IN BIRMINGHAM
CompanyAvg. Annual Auto Insurance Rate (With Bundle)
USAA$881
GEICO$1,060
Allstate$1,293
Alfa$1,516
Progressive$1,561

A great way to save on insurance is to bundle your home and auto policies with the same insurance company.


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Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including BestCompany.com.