Huntsville Insurance Rates:

Huntsville, AL home insurance is roughly $832 to $1,127, about $69-$93/month. Our all inclusive guide shows customers can save upto $391 by comparing many quotes

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Read Huntsville, Alabama Homeowners Insurance reviews & compare quotes to find the most reliable & cheapest quotes.

Huntsville Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Nationwide Insurance
Home Insurance Rate of $130/4 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $75,000

2 Beds, 2 Bath 910 sqft Seasonal Residence Constructed In 1990 with Carpet Flooring, Asphalt Shingles Roof, Chainwall Foundation, Wood siding, Brick Frame. Home Features Include Indoor Sprinklers, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

25 Years old Divorced Male who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $700/8 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $300,000

5 Beds, 5 Baths 3500 sqft Seasonal Residence Constructed In 2008 with Stone Flooring, Wood Shake Roof, Slab Foundation, Brick siding, Metal Frame Construction. Home Features Include Smoke Alarm, Central Air Conditioning, Copper Water Pipes, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

32 Years old Married Male who is a Freelancer with household income of $75-$100,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1050/6 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $360,000

5 Beds, 5 Baths 4340 sqft Rental Property Constructed In 1981 with Wood Flooring, Wood Shake Roof, Chainwall Foundation, Stucco siding, Brick Frame. Home Features Include Deadbolt Locks, Fireplace, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

64 Years old Divorced Female who has a Full Time Job with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

Home Insurance Rate of $240/5 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $205,000

3 Beds, 3 Baths 1880 sqft Primary Residence Constructed In 1979 with Wood Flooring, Wood Shake Roof, Piers Foundation, Vinyl siding, Brick Frame. Home Features Include Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

36 Years old Married Male who is a Freelancer with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $200/3 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $200,000

4 Beds, 4 Baths 2410 sqft Vacation Property Constructed In 1981 with Hardwood Flooring, Asphalt Shingles Roof, Chainwall Foundation, Brick siding, Wood Frame. Home Features Include Fireplace, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

25 Years old Divorced Female who is a Freelancer with household income of more than $150,000 and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $110/2 months for $100,000-$125,000 Coverage
Policy Holder Home Details :

Home Value : $95,000

2 Beds, 2 Bath 999 sqft Primary Residence Constructed In 1998 with Hardwood Flooring, Wood Shake Roof, Chainwall Foundation, Wood siding, Brick Frame. Home Features Include Copper Water Pipes, Deadbolt Locks, Smoke Alarm, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

63 Years old Divorced Male who has a Part Time Job with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

Huntsville, AL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
35816 $93,000 $950
35810 $88,000 $940
35805 $74,500 $930
35824 $224,200 $1,040
35801 $216,900 $1,020
35806 $215,200 $1,030
35802 $212,400 $1,020
35803 $167,500 $1,010
35811 $150,500 $990

Huntsville Rates & Quotes Analysis:

Huntsville Area Estimated House Insurance
Greenwillow Ct SE, Mullins Hill Dr, Waldrop Dr SE, Cleveland Ave NW, Old Ridge Rd SE, Canoebrook Ln NW, Bragg St NW, la Don Dr, Homewood Dr SW, Dortmund Dr SE$1,120
Potomac Cir, Sawmill Rd, Thunderbird Dr, Caswell Pl, Torrance Dr NW, Lake Carmel Ct, 14th St SW, Denver St NW, Coleman St SE, Linden Ave SW$985
Bebe Ann Ave SE, Gunsmoke Cir, Dawnwood Dr NW, Rosemont Rd SE, Johnson Dr, Ryanridge Rd, Booker Dr NW, Hambrick Dr, Bellsire Rd, Pinto Dr$984
Chicamauga Trl SE, Karen Davi Dr NW, Ridgeway St SW, Angelo St NW, Cline Dr, Brookslanding Dr, Gilstead Cir SE, Rachel Dr NW, Eunice St SW, Belle Meade Dr NE$932
Ranier St, Gesman Pl SW, Nolen Ave SE, Highpoint Dr SE, Mountain Park Cir NW, Hale Dr SW, Nelson Dr NW, Priscilla Ln NW, Maple Leaf Dr, Stone Mountain Dr SE$934
Manassas Dr SW, Hermosa Cir, Toll Gate Rd SE, Crestmore Ave NW, Hester Ln NW, Triple Creek Trl SE, Oshaughnessy Ave NE, Woodcrest Dr SE, Forest Bend Dr, Blue Haven Dr NW$966
Kirby Ln, Sherman Dr SE, Dalton Rd, King Rd NW, Ramada St SE, W Crestview Dr NW, Steger Rd, Kelly Spring Rd, Tree Top Dr SE, Chittamwood Dr$948
Lowry St NW, Shannonhouse Rd SW, Pinetree Ln NW, Sunset Ave SW, Bluegrass Rd SW, Gorham Dr, Grayson St NE, Indo Ave NW, Ariel Dr, Tall Timbers Cir NW$963
Bellevue Dr, Lenlock Cir SE, Arrow Point Dr, Commercial Dr NW, Windover Dr NE, Morning View Ln, Mussleman Ln, Warfe Ct, Garth Rd SE, Cynthia Ln SE$974
Lazy Willow Way, Bob Wade Ln, Community St NE, Lucretia Ave NW, Alco Dr, Coronado Ave SE, Randolph Ave SE, Aspen Ave NW, Kirkland Cir NW, Aurora Cir$942

Insurance rates are influenced by a number of factors including:

  • Year Built: 15,532 Homes (15% of total homes ) built between 1970 to 1979 in Huntsville are paying home insurance between $1,587-$1,602. Places close to Huntsville, AL such as Meridianville, Madison, Gurley are more expensive by $12, $74, $103 respectively while Redstone Arsenal and Hazel Green are cheaper by $157 and $25 respectively for similar homes.
  • Bedrooms: 19,519 2 bedrooms homes (20% of total homes ) in Huntsville are paying about $705 in contrast with Madison County (+$13), Meridianville (+$15), Madison (+$33), Madison Crossroads (-$8) and Ardmore (-$6).
  • Auto Insurance Bundling: 17,267 Households (29% of all households) in Huntsville have 3 or more vehicles available and when it is bundled with home insurance you can save $244 in contrast with Madison County ($245), Meridianville ($246), Moores Mill ($244).
  • Senior Discounts: 27,417 seniors (more than 55 years) occupied housing units (47% of total) in Huntsville get discounts between $146 to $149. The comparative concessions in proximate regions such as Madison County, Moores Mill and Madison are $147, $146 and $153 respectively.
  • New Homes discounts: New homes such as the 39,282 homes built between 2000 to 2009 in Huntsville can save $195 and differs from Madison County ($196), Meridianville ($197), Moores Mill ($195).

Huntsville Homeowners insurance Facts

  • Huntsville, AL has 57,635 owner occupied houses which is 66.3% of all units whereas Madison County, Meridianville and Moores Mill have 70.01%, 84.76% and 86.94% respectively.
  • Huntsville, AL homeowners yearly insurance price at $979 is 0.62% of the typical house value of $157,100 which is in contrast with 0.6% in Madison County, 0.59% at Meridianville & 0.63% in Moores Mill.
  • Homeowners in Huntsville, AL pay 1.7% of their income ($45,000 to $49,999) in insurance whereas homeowners in Madison County, Meridianville and Moores Mill pay 1.71%, 1.71% and 1.7% respectively.
  • Huntsville, AL’s insurance is 6.9% of monthly housing costs of $1,185/month, for owners with a mortgage compared to 6.65% in Madison County, 6.62% at Meridianville & 7.04% in Moores Mill. But, for households without a mortgage, insurance is 23.4% of costs ($348 in Huntsville, AL) in contrast with 23.54% in Madison County, 24.24% at Meridianville & 24.97% in Moores Mill.

Huntsville, AL Home Values & Insurance rates

For example, insurance for 2,433 Homes (4.0% of total homes ) valued between $60,000 to $69,999 in Huntsville, AL is about $401. Rates in nearby areas in such as Madison County, Meridianville, Madison are cheaper by $18, $27, $115 respectively while Moores Mill and Hazel Green are costlier by $9 and $70 respectively for similar homes.

Huntsville, AL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 3,638 6.0% $146
$50,000 to $59,999 1,170 2.0% $323
$60,000 to $69,999 2,433 4.0% $401
$70,000 to $79,999 2,638 4.0% $460
$80,000 to $89,999 2,930 5.0% $528
$90,000 to $99,999 2,894 5.0% $587
$100,000 to $124,999 6,159 11.0% $685
$125,000 to $149,999 5,075 9.0% $851
$150,000 to $174,999 6,658 12.0% $1008
$175,000 to $199,999 5,120 9.0% $1165
$200,000 to $249,999 6,235 11.0% $1399
$250,000 to $299,999 4,205 7.0% $1713
$300,000 to $399,999 4,662 8.0% $2173

Renters Insurance in Huntsville

  • Average Renters Insurance in Huntsville :  $195($16/month)

  • Median Gross Rent in Huntsville :  $695

  • Huntsville Renters Insurance to Median Rent Ratio:  2.3%

  • Renter occupied housing units in Huntsville :  29,256

Huntsville Renters Insurance as a Percentage of Rent

Huntsville Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 419 1.0% $348
$200 to $299 1,172 4.0% $798
$300 to $499 3,885 14.0% $1248
$500 to $749 10,859 39.0% $1923
$750 to $999 7,103 25.0% $2673
$1,000 to $1,499 3,400 12.0% $3798
$1,500 or more 823 2.0% $5448

Rent Affordability in Huntsville:

Approximately 45.0% (13,430) of households are spending more than 35% of their income on gross rent in Huntsville

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 4,235 14.0%
15.0 to 19.9 percent 3,379 11.0%
20.0 to 24.9 percent 3,745 12.0%
25.0 to 29.9 percent 2,162 7.0%
30.0 to 34.9 percent 2,305 7.0%
35.0 percent or more 13,430 45.0%

Huntsville Renters Insurance Discounts:

Huntsville Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Huntsville, AL Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 15,426 52.0% $19.5
2 vehicles available 7,622 26.0% $29.25
3 or more vehicles available 2,079 7.0% $39.0

Protective device discount in Huntsville Up to :  $29

Claims-free discount in Huntsville Up to :  $39