Whether you are moving to Alabama or simply need a new home insurance policy, there are plenty of options to choose from. Select a company that has a good reputation and offers a wide range of coverage options for your protection.
Best Homes Insurance in Alabama
Alabama's top homeowners insurance providers are those with low premiums, a user-friendly website or app and excellent customer service. State Farm, with its stellar customer service score and a range of add-ons for coverage, is one of America's top insurers.
Cheapest Homeowners' Insurance in Alabama
USAA is a great option for anyone looking for affordable homeowners insurance in Alabama, offering an average yearly rate of $7,405 per year. It offers policies for families with military members.
Country Financial, another excellent choice for Alabama home insurance, offers many features including identity theft coverage and backup water protection. They have a comprehensive policy that includes both dwelling and personal property cover, as well as water damage.
Average Home Insurance Cost in Alabama
The average homeowners insurance premium in Alabama is $1,575, based on a $280,000 home with a $500 deductible and $1,000 in dwelling coverage. While these figures may seem high, the rates for a typical home can vary significantly between companies.
In addition to the standard policy protection, you can also buy a wide range of additional coverages from many homeowners insurance providers in Alabama. There is also flood insurance. This program, sponsored by the federal government, provides protection in the case of a catastrophic flood.
Wind damage insurance is also important. It protects you and your belongings against the damages caused by windstorms, tornadoes and hurricanes.
Alabama homeowners may also choose to purchase a insurance policy for replacement cost if their valuables or expensive items need to be replaced following a disaster. This type of insurance pays for brand new replacements without depreciation.
Credit scores are another factor to take into consideration when shopping for a home insurance policy in Alabama. If you have a low credit rating, some insurers will charge higher premiums.
If you want to reduce your insurance costs, discounts are an excellent way to do so. There are several different discounts available for AL home insurance policies. This includes a reduction of your annual premium if you bundle your auto and homeowners insurance with the exact same insurer. It also includes a reduction if you have a home fire alarm, a security system or a clean record.
Clearsurance offers the highest rated insurance companies for home coverage in Alabama. These providers are ranked on the basis of reviews from real clients and offer some of the most comprehensive and competitive coverages.