Updated: December 4, 2024
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Auto-Owners is Alabama's overall best home insurance provider, especially for owners of new or expensive properties. We used a $100,000 dwelling coverage limit in our comparisons, but your premium may vary with a different coverage amount.
For budget-conscious homeowners, MoneyGeek also reviewed the cheapest home insurance in Alabama.
In Alabama, Auto-Owners stands out as the best overall homeowners insurance provider, earning a perfect MoneyGeek score of 100 out of 100 for its exceptional service quality and competitive pricing, especially beneficial for high-value and new homes. State Farm ranks as the runner-up with a respectable score of 96 out of 100, offering a balanced option between cost and service.
In Alabama, State Farm is the cheapest homeowners insurance provider, offering coverage at $1,810 per year. Meanwhile, Auto-Owners serves as a strong runner-up, offering competitive rates and impressive service quality.
In Alabama, Auto-Owners stands out as the top homeowners insurance provider for superior customer service, earning a perfect MoneyGeek score of 100 out of 100. As a runner-up, State Farm offers commendable service with a MoneyGeek score of 80 out of 100. Prioritizing service quality ensures customer satisfaction and responsive claims handling, essential for efficient support when needed most.
Why Trust MoneyGeek? We analyzed data from the Alabama Department of Insurance and Quadrant Information Services to identify the best homeowners insurance options in the state.
Home insurance rates in Alabama represent the latest quotes as of July 2024.
Auto-Owners offers the best home insurance in Alabama. Consider the top overall providers below:
When choosing home insurance, find a provider that balances affordability and reliable service.
Auto-Owners leads with perfect scores in customer satisfaction and coverages. Its average annual premium is $2,040. The insurer offers responsible payment and paperless billing discounts, promoting timely payments and sustainability.
Auto-Owners is Alabama's best home insurance choice for service quality.
Prioritizing service quality ensures customer satisfaction and responsive claims handling, making a big difference when you need prompt assistance, such as after storm damage.
Auto-Owners scores 65 out of 65 for customer satisfaction and 30 out of 30 for coverages, driving its overall MoneyGeek score of 100.
Homeowners benefit from add-ons like guaranteed replacement cost, which covers full rebuilding costs regardless of policy limits, and personal property replacement cost, which replaces belongings at current market value without deducting for depreciation.
Auto-Owners is the best option for the cheapest homeowners insurance in Alabama.
Finding a provider that balances low premiums with reliable service starts with understanding the average cost of home insurance in Alabama.
Auto-Owners provides cost-effective home insurance, with an affordability score of 73 out of 75 and an average annual premium of $2,040.
Key benefits include discounts for bundling policies and installing home security devices. Additional coverage options include scheduled personal property for high-value items and equipment breakdown for protection against unexpected mechanical failures.
Auto-Owners is the top choice for high-value homes in Alabama. Here are the best options for $1 million dwelling coverage:
Finding a provider that balances affordability and service quality, like Auto-Owners, is essential for expensive homes.
Auto-Owners excels with an affordability score of 51 out of 55 and an average annual premium of $11,190 for luxury homes. Policyholders can save more with the protective device discount for having a home security system.
The insurer also offers coverages such as guaranteed replacement cost for full home restoration and scheduled personal property for protecting valuables like jewelry and art.
Auto-Owners is the top choice for new homes in Alabama. Here’s a comparison of the best homeowners insurance providers for $500,000 dwelling coverage:
With perfect affordability and customer satisfaction scores, Auto-Owners offers a strong balance between cost and service.
Auto-Owners is the top pick for new homeowners in Alabama, with a perfect MoneyGeek score and an average annual premium of $3,280.
Its guaranteed replacement cost coverage pays for the full rebuilding cost, regardless of policy limits. Policyholders can enjoy savings through discounts for consistent on-time payments and installing an automatic backup generator.
USAA is the best option for veteran homeowners insurance in Alabama.
USAA caters to the unique needs of military families, offering reliable coverage despite frequent relocations and deployments.
USAA, exclusively serving military members and their families, achieves perfect affordability and claims satisfaction scores. The average annual premium is $1,481.
Its personal property replacement cost coverage ensures full replacement value for items. USAA provides discounts for bundling policies and installing safety devices. Smart home device users and loyal customers can also access additional savings.
The ideal home insurance companies balance strong coverage and excellent customer service with affordable premiums. Follow these steps to find the right policy for you:
Determine how much home insurance coverage you need by evaluating your risks and property value. This helps in selecting adequate coverage.
Review each insurance company's reputation, customer service, financial stability and policy types.
Examine policies and premiums from various insurers to balance comprehensive protection and affordability. Use tools to quickly compare home insurance quotes.
Dive deep into each policy's particulars, including exclusions, deductibles and limits. This ensures dependable coverage and no surprises when filing a claim.
Seek guidance from an impartial insurance agent. They can help you find the best policy options and answer any questions, providing invaluable expertise for making the right choice.
Homeowners in Alabama aren’t legally required to have flood insurance. Nevertheless, it’s highly recommended to purchase flood insurance in Alabama to safeguard homes from potential water damage in flood-prone areas.
Selecting the best homeowners insurance provider depends on your coverage needs and financial situation. To help you decide, we've answered common questions about home insurance in Alabama.
Auto-Owners Insurance is the overall best home insurance provider in Alabama, with a MoneyGeek score of 98 out of 100 and an average annual premium of $2,040.
Auto-Owners Insurance offers the cheapest option for homeowners with an average annual premium of $2,040. Policyholders may lower their premiums further by qualifying for discounts.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
