Birmingham Homeowners Insurance

The Zebra
Aug. 26, 2019

Find cheap homeowners insurance in Birmingham


Home insurance should be a critical consideration for every homeowner. Along with personal property, homeowners insurance covers your dwelling against many different perils, including fire, wind damage, vandalism, and theft. Events like this occur regularly. When paired with the high cost of repairing or rebuilding a home, purchasing a robust homeowners policy can seem like a smart idea.

The cost of homeowners insurance coverage depends on many factors. This can include the overall value of your house, the value of your personal belongings, and the materials that were used when building your 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. Learn more information about what your homeowners insurance policy covers.

If you want to find inexpensive home insurance coverage in Birmingham, start with shopping around and comparing a variety of different policies. Take a look at the summary below showing average Birmingham homeowners insurance rates to ensure you start your search with as much background info as possible. Remember: your homeowners insurance rates may vary based on your coverage limits and other factors.


Birmingham, Alabama, homeowners insurance:
  1. Rates by company
  2. Rates by coverage level
  3. Rates by ZIP code
  4. Insurance bundle discounts

Home insurance in Birmingham by insurance company

Homeowners insurance rates in Birmingham vary from one insurance company to another. The most affordable home insurance in Birmingham is Allstate offering average annual rates at just $1,231 per year. This is considerably cheaper than the city’s average homeowners premium of $2,110.

To get started with your homeowners insurance policy search, take a look at this list of the cheapest companies in Birmingham, Alabama.


AFFORDABLE HOME 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 costs in Birmingham by coverage level

The level of homeowners coverage you select has an impact on the insurance premiums you pay. In Birmingham, carrying $200K dwelling coverage costs an average of $1,670, while carrying additional coverage up to $400K costs $2,787 per year.


HOMEOWNERS INSURANCE RATES IN BIRMINGHAM — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$200K Dwelling$1,670
$400K Dwelling$2,787

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Birmingham home insurance prices by ZIP code

Home insurance premiums can vary depending on what area of Birmingham in which you live. Policies are often priced on local variables such as the number of claims filed in the immediate area, meaning the neighborhood in which you live could have a major impact on how much you pay to insure your home.

The cheapest home insurance rates in Birmingham are available in 35242. In 35242, the typical home insurance policy costs $1,651 per year — $459 less than the citywide average in Birmingham. Find the best places to live in Birmingham for cheap home insurance by looking 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

On the other hand, some areas of Birmingham face higher homeowners insurance costs, on average. Such areas might face a higher danger of perils such as fires or severe weather events. Similarly, they may also have a higher rate of crimes such as burglary or vandalism. One of the costliest ZIP codes for homeowners 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



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Money-saving tip for home and auto insurance in Birmingham: bundling

If you’re seeking ways to save on your overall insurance costs, consider purchasing your home and auto policies from the same insurance company. Bundling your homeowners and auto insurance is one way to save substantially on your monthly car insurance premiums. Bundling policies in Birmingham could, in fact, lead to average annual savings of 11%.


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

Bundling your homeowners and auto policies can be a great way to save some money on insurance. Call 855-493-9728 to speak with an expert today.


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