Whether you are moving to Alabama or simply need a new home insurance policy, there are plenty of options to choose from. Choose a company who has a solid reputation in customer service and provides a range of add-on coverages to provide full protection.
Best Homes Insurance in Alabama
The best homeowners insurance companies in Alabama are those that offer excellent customer service and support, low premiums and an easy-to-use website or app. State Farm is rated as one of the best insurers with an excellent customer satisfaction score. They offer a wide range of coverage and make filing claims via their mobile app easy.
Cheapest homeowners insurance in Alabama
USAA offers homeowners insurance at an affordable rate in Alabama. The average annual premium is $7,405 a year. It also offers policies for military families.
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
Alabama homeowners insurance is an average of $1,575. This is based on a home worth $280,000 with a $500 deductible. The dwelling coverage in Alabama amounts to $1,000. Although these figures seem high, rates for a typical house can vary greatly between companies.
Many insurance providers offer additional coverages to their standard policies. This includes flood coverage, which is federally sponsored and provides coverage for a damaging flood.
You should also consider wind damage coverage. This protects your home and personal belongings from the damage of winds such as tornadoes, hurricanes and windstorms.
Purchasing a replacement-cost policy is another option for Alabama homeowners who have expensive or valuable items to replace after a disaster. This type of insurance pays for brand new replacements without depreciation.
When shopping for home insurance in Alabama, you should also consider your credit score. It is important to have a high credit score because it can lead to higher insurance 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. Bundling home and auto insurance policies, installing security systems, and maintaining a clean driving history can all reduce your premium.
Clearsurance has the top rated home insurance companies in Alabama. These providers are ranked based on reviews from real customers and offer the most comprehensive and competitive policy coverages in the industry.