You have many options when it comes to choosing a home insurance policy in Alabama, regardless of whether you are moving there or needing a new one. You will want to ensure that you select a company with a strong reputation for customer satisfaction, offering a variety of coverage add-ons for 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 among the top insurance companies in the country with an outstanding customer satisfaction rate. The company offers many coverage add-ons, and makes filing claims using its mobile app simple.
Cheapest Homeowners insurance in Alabama
USAA's homeowners insurance is affordable in Alabama. It has an average rate of $7.405 per year. The company also offers policies to military families.
Country Financial, another excellent choice for Alabama home insurance, offers many features including identity theft coverage and backup water protection. They offer a comprehensive plan that covers water damage, personal property, and both.
Average Home Insurance Cost in Alabama
Alabama's average homeowners insurance rate is $1,575, which is based upon a $280,000 house with a $500 dwelling coverage and a $500 home deductible. These figures may appear high, but the rates can vary widely between insurance 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. This includes flood insurance, which is a federally sponsored program that provides cover in the event of a devastating flood.
You should also consider wind damage coverage. This covers your home, personal possessions and other property against damage caused by winds like hurricanes, windstorms and tornadoes.
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 policy covers a brand new replacement, with no depreciation.
Credit scores are another factor to take into consideration when shopping for a home insurance policy in Alabama. Some insurers charge more for a poor credit score, so you should make sure that your score is good.
Discounts are a great way to save on your insurance costs, and there are a number of different discounts that you can take advantage of when shopping for a home insurance policy in AL. 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 is a good place to start if you're looking for the best home insurance in Alabama. These providers are ranked on the basis of reviews from real clients and offer some of the most comprehensive and competitive coverages.