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
Alabama's best home insurance companies are those who offer great customer service, support and low rates. They also have 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 offers homeowners insurance at an affordable rate in Alabama. The average annual premium is $7,405 a year. Also, it offers policies for military family members.
Country Financial provides a range of home insurance options in Alabama. These include identity theft protection, water backup coverage, and more. This company offers a comprehensive insurance policy that covers personal property and dwelling, along with water damage.
Average Home Insurance Price 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. 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.
You should also consider wind damage coverage. This will protect your home and possessions from wind damage such as hurricanes, tornadoes or winds.
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.
In Alabama, credit scores are also a factor to consider when looking for a policy. A low credit score can result in higher premiums with some insurers, so it is important to make sure you have a good score.
When shopping for a policy, you can benefit from a variety of discounts. 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.