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Shopping for renters insurance doesn’t need to be complicated. Compare Alabama rates by city and carrier below.
Renters insurance is an affordable type of insurance that keeps your belongings safe in the event your apartment suffers major damage. Renters insurance defends items against fire, smoke damage, a wind storm, vandalism or theft, and an array of other mishaps.Unlike car insurance, renters policies aren’t priced based on state-level legislation. That said, there are relatively substantial variations in average renters insurance prices by state. Renters insurance prices in states diverge based on the value and number of renters policy claims lodged in the state, and depend on the value of the belongings being insured.
Getting renters insurance in Alabama is more expensive than the US average. The typical annual renters insurance rate in Alabama is $245, $60 more expensive than the national average.
The best way to acquire a cheap renters insurance policy in Alabama is to view prices from a variety of insurance companies. Get an idea of renters insurance rates in Alabama by referencing the below tables. Remember: your rates may differ, depending on your coverage limits and the valuation of your belongings.
Renters insurance rates in Alabama differ based on the insurance company you select. Cincinnati Insurance offers the most affordable renters insurance in Alabama, at only $144 per year. This compares favorably to Alabama's mean rate of $245, providing a 41% price cut on the typical rates in the state.
Begin the hunt for affordable coverage by reviewing the best Alabama carriers, listed below.
|Insurer||Average Annual Rate in Alabama|
Not all Alabama cities have equal renters insurance rates. Policy pricing may depend on city-specific variables, such as the number of claims filed nearby, meaning your specific ZIP code impact how much you pay.
The most affordable renters insurance rates in Alabama are available in Enterprise. The average renters insurance policy in Enterprise costs $220 per year — $142 less than the average Alabama rate. The below table shows the best places to live in Alabama if you’re looking for cheap renters insurance.
|City||Average 12-Month Renters Insurance Rate|
If you want to save on insurance, consider carrying your renters and auto policies with the same insurance company. Bundling renters and auto insurance in Alabama can lead to substantial savings on your auto insurance bill. Purchasing bundled policies in Alabama leads to a yearly savings of $69.
|Avg. 12-Month Auto Insurance Rate (No Bundle)||Avg. 12-Month Auto Insurance Rate (Bundle)||Annual Bundle Savings||Bundle Savings %|
One of the best ways to save on auto insurance is bundling. Get started today!
Looking for renters insurance information for a specific city? Take a look at our list of the most populous cities in Alabama.
Renters insurance is not mandatory in Alabama but law but your landlord may require it. Furthermore, it's generally a good idea to buy a renters insurance policy to protect your assets and your liability.
A standard renters policy will cover your liability, personal property, medical payments to others, and additional living expenses.