Alabaster, AL Home Insurance - Analysis On Quotes, Rates & Agents
Alabaster Insurance Rates:
Alabaster, AL homeowners insurance is approximately $835 to $1,133, about $69-$94/month. Our thorough guide shows customers can save upto $393 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Homeowners Insurance in Alabaster, AL
When it comes to protecting your home, your most significant investment, you want to ensure you have the best coverage possible. Home insurance protects you from financial loss if your home is damaged or destroyed by an event covered by your policy, such as a fire. It also provides liability coverage if someone is injured on your property.
The average cost of homeowner's insurance in Alabaster, AL, is $763. A number of factors go into determining your homeowners insurance rates, including the value of your home, the age and condition of your home, the amount of coverage you need, and the deductible you choose. However, one of the biggest factors is where you live. Homeowners in Alabaster, AL, enjoy lower rates due to several factors, including the city’s low crime rate and proximity to several major highways. If you’re looking for ways to save on your homeowners insurance, be sure to shop around and compare rates from a variety of companies. Here are some tips to help you lower the cost of your homeowners insurance in Alabaster, Alabama.
Home Insurance Cost Based on the Coverage Level in Alabaster, AL
In Alabaster, AL, insurance coverage can vary depending on the value of your home, the amount of coverage you need, and the location of your home. For example, if you have a high-value home, you may need to purchase more coverage than someone with a lower-value home. Additionally, if you live in an area prone to natural disasters, such as hurricanes or earthquakes, you may need to purchase additional coverage to protect your home. Homeowners in Alabaster, Alabama, can get a $200K home insurance policy for $2257. Most homeowners choose a $300k–$500k coverage range, which costs $4325–$6940, respectively.
Home Insurance Cost Based on the Deductibles in Alabaster, AL
A deductible is an amount you must pay out-of-pocket before your home insurance policy kicks in and covers the rest. The higher your deductible, the lower your home insurance costs will be. That's because you're shouldering more risk yourself, so the insurance company doesn't have to pay out as often. You don't want to set your deductible so high that you couldn't afford to pay it if you had to. A good rule of thumb is to set your deductible at an amount you could comfortably pay if you had to file a claim. For deductibles of 1500 and 2000, homeowners in Alabaster, Alabama, pay premiums of $641.99 and $582.78, respectively. While paying a $500 or $1,000 deductible, homeowners pay $753.84 and $681.97, respectively. So, the higher the deductible, the lower the premium.
Home Insurance Cost Based on the Materials Used in Alabaster, AL
One of the best ways to save money on home insurance is to use materials that are less likely to be damaged in a natural disaster. For example, homes made of brick or stone are much less likely to be damaged in a hurricane than those made of wood. This means that insurers will charge less for these types of homes. Homeowners insurance in Alabaster, Alabama, costs $724.85 for masonry-built homes and $686.7 for fire-resistant brick structures, respectively.
Alabaster, AL Homeowners Insurance By Home Value
| Alabaster, AL Home Value | Total Homes | % of Total | Average Alabaster, AL Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 510 | 5.0% | $147 |
| $50,000 to $59,999 | 117 | 1.0% | $314 |
| $70,000 to $79,999 | 103 | 1.0% | $442 |
| $80,000 to $89,999 | 154 | 1.0% | $501 |
| $90,000 to $99,999 | 142 | 1.0% | $560 |
| $100,000 to $124,999 | 951 | 10.0% | $659 |
| $125,000 to $149,999 | 1,540 | 17.0% | $816 |
| $150,000 to $174,999 | 1,710 | 19.0% | $974 |
| $175,000 to $199,999 | 1,202 | 13.0% | $1121 |
| $200,000 to $249,999 | 1,355 | 15.0% | $1348 |
| $250,000 to $299,999 | 629 | 7.0% | $1643 |
| $300,000 to $399,999 | 395 | 4.0% | $2095 |
Top Home Insurance Agents Near Alabaster, AL
| Home Insurance Company Near Alabaster, AL | Homeowners Insurance Agency Near Alabaster, AL | Address |
|---|---|---|
| Travelers | J Smith Lanier & Co Of Birmingham | 10 INVERNESS CENTER PKWY STE 400, BIRMINGHAM, AL, 35242 |
| Allstate | Jalona Patton | 17 Office Park Cir Ste 3, Mountain Brk, AL, 35223 |
| Allstate | The Family Agency | 37 Buck Creek Plz Ste 200, Alabaster, AL, 35007 |
| Allstate | The Family Agency | 37 Buck Creek Plz Ste 100, Alabaster, AL, 35007 |
| State Farm | Thomas Waters | 3103 Independence Drive, Homewood, AL, 35209-4111 |
Alabaster, AL Home Insurance Agents for Top Companies
Cost Of Homeowners Insurance By Street Near Alabaster, AL
| Streets in Alabaster Area | Homeowners Insurance Cost |
|---|---|
| Thompson Rd, Queen Ann Cir, Shaw Valley Rd, Lucas Ln, Paddock Ln, Kentwood Dr, Co Rd 207, Macon Ct, Appleton Ln, Davenport St | $982 |
| Fire Tower Rd, Old Kendrick Rd, Caliston Way, Stoneykirk Way, Oakdale Dr, Denard Cir, Mitchell Dr, 2nd Ave SW, Quarles St, Tahiti Cir | $1,013 |
| Ash Cove, Brantleyville Rd, Little Rock Dr, Weatherly Way, Marigold Dr, Wynlake Way, Bunting Dr, Lovett Pl, Dogwood Forest Cir, Bedford Cir | $999 |
| 12th St SW, Crossrail Dr, Co Rd 214, Woodbrook Cir, Park Rd, Holland Lakes Dr, Stonehill Cir, Rolling Rock Trl, Pleasant Cir, Co Rd 33 | $928 |
| Fox Valley Highlands Cir, Parliament Pkwy, Co Rd 361, Shaw Dr, County Services Dr, 1st St S, Nearest Rd, Ballantrae Club Dr, Amberley Woods Way, King James Dr | $1,018 |
| Ballard Ln, Newgate Rd, Sequoia Ter, Hayes Cir, Co Rd 340, King James Ct, 6th Ave SE, Scott Rd, Simpson Dr, Copperhead Rd | $943 |
| Henry Dr, Queens Gate, 12th St NW, Mission Hills Rd, Stone Rd, King Arthur Ct, Heather Way, Green Meadows Trl, Co Rd 44, Noe Way | $984 |
| Co Rd 332, Falling Rock Cir, Lighthouse St, Mainsail Cir, Creden Pl, Oakbrooke Ln, 4th St SW, Abington Cir, Village Ln, Stonecreek Way | $968 |
| Vincent St, Bermuda Lake Dr, Lakewood Dr, Chinaberry Ln, Co Rd 72, W Stonehaven Cir, Pup Run, Kelly Dr, Dolphin Ct, Caroline Dr | $963 |
| Stone Hill Cir, Horizon St, Country Hills Ln, Industrial Rd, Co Rd 265, Leaf Ln, Cedar Way, Flintrock Cir, Kingsley Cir, Eagle Cir | $950 |
Alabaster, AL Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
|---|---|
| Alabaster | $147 to $149 |
| Brantleyville | $136 |
| Alabaster-Helena | $150 |
| Helena | $148 |
Alabaster, AL Auto & Homeowners Insurance Bundling Discounts
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Brantleyville CDP, Alabama | $136 | $181 | $272 |
| Alabaster-Helena CCD, Shelby County, Alabama | $150 | $200 | $300 |
| Helena city, Alabama | $149 | $198 | $297 |
Alabaster, AL Area Home Insurance as a % of Housing Cost
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Alabaster, AL | 5.9% | 21.4% |
| Brantleyville | 8.67% | 24.92% |
| Alabaster-Helena | 5.64% | 19.81% |
| Helena | 5.78% | 20.84% |
Alabaster Renters Insurance as a Percentage of Rent
| Alabaster Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $200 to $299 | 24 | 1.0% | $796 |
| $300 to $499 | 75 | 4.0% | $1246 |
| $500 to $749 | 247 | 16.0% | $1921 |
| $750 to $999 | 325 | 21.0% | $2671 |
| $1,000 to $1,499 | 716 | 47.0% | $3796 |
| $1,500 or more | 117 | 7.0% | $5446 |
Average Cost Of Home Insurance By Company In Areas Nearby Alabaster For Different Scenarios
| Deductible | Coverage | Company | Premium ($) |
|---|---|---|---|
| $500 | $150,000 | Alfa Mutual Insurance Company | 1528 |
| $500 | $150,000 | Auto Owners Ins Company | 1437 |
| $500 | $150,000 | Country Mutual | 1083 |
| $500 | $150,000 | Fire Insurance Exchange | 1749 |
| $500 | $150,000 | Garrison Property And Casualty Insurance Company | 1296 |
| $500 | $150,000 | Travelers Home And Marine Insurance Company | 506 |
| $500 | $150,000 | Usaa Casualty Insurance Company | 1360 |
| $500 | $300,000 | Mid Century Ins Co | 3461 |
| $500 | $300,000 | Nationwide Property & Casualty Ins Company | 1997 |
| $500 | $300,000 | United Services Automobile Association | 2050 |
Alabaster, AL Home Insurance Costs With Deductible Scenario
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $700 | $1,700 |
| Yearly Alabaster Homeowner Insurance Premium Example | $1,100 | $900 |
| Out of Pocket Expense During Claim | $700 | $1,700 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $9,500 | $8,900 |
| Net Savings to Alabaster Home Owner from High Deductible Plan | $600 | |
Alabaster, AL Home Insurance Costs With Home Replacement Value Scenarios
| Scenario | Alabaster, AL Home Replacement Value MORE than Home Value | Alabaster, AL Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $177,500 | $132,000 |
| Insurance Premium based on Replacement Value | $825 | $600 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $19,500 | Risk Exposure from Under Insuring Coverage is $26,000 |
| Premium Impact | Insurance cheaper by $125/year | Insurance costlier by $100/year |
Example Alabaster Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
| Insurance Company | State Farm | Amica Mutual Insurance Company | Allstate |
| Monthly Premium | 56 | 65 | 96 |
| Year Built | 2011 | 1984 | 1997 |
| Home Details | 3 Beds, 1 Baths | 4 Beds, 3 Baths | 5 Beds, 4 Baths |
| Coverage Amount | $200000-$250000 | $125000-$150000 | $250000-$300000 |
| Deductible | $5000 to $10,000 Deductible | $500 Deductible | $500 Deductible |
Sample Home Insurance Rates for Alabaster, AL from Consumer Reviews & Surveys
| Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
|---|---|---|---|---|---|---|---|---|---|
| 1986 | 235,000 | Asphalt Shingles Roof | 2,380 | 3 | > $10,000 Deductible | 380 | 9 | Stucco siding | No |
| 2006 | 490,000 | Asphalt Shingles Roof | 4,590 | 5 | $500- $1000 Deductible | 230 | 1 | Brick siding | yes |
| 2013 | 230,000 | Wood Shake Roof | 2,270 | 3 | $2500-$5000 Deductible | 340 | 4 | Stucco siding | yes |
| 2007 | 175,000 | Composition Roof | 1,820 | 3 | $500 Deductible | 710 | 10 | Wood siding | yes |
| 1985 | 425,000 | Wood Shake Roof | 4,990 | 5 | $2500-$5000 Deductible | 130 | 1 | Brick siding | No |
| 2010 | 120,000 | Slate Shingles Roof | 1,250 | 3 | $500- $1000 Deductible | 50 | 1 | Stucco siding | No |
| 1986 | 470,000 | Metal Roof | 4,590 | 5 | $500 Deductible | 2610 | 10 | Stucco siding | No |
| 2004 | 335,000 | Slate Shingles Roof | 3,140 | 4 | > $10,000 Deductible | 260 | 3 | Stucco siding | No |
| 2010 | 465,000 | Asphalt Shingles Roof | 4,880 | 5 | $1000-$2500 Deductible | 910 | 6 | Fiber-Cement Siding | yes |
| 1980 | 480,000 | Tile Roof | 4,150 | 5 | $2500-$5000 Deductible | 1320 | 7 | Stone Siding | No |
| 2006 | 220,000 | Slate Shingles Roof | 2,310 | 3 | $500 Deductible | 810 | 8 | Wood siding | yes |
| 1985 | 205,000 | Shingles Roof | 2,410 | 5 | $5000 to $10,000 Deductible | 530 | 10 | Stucco siding | No |
| 1990 | 260,000 | Shingles Roof | 2,400 | 3 | $500- $1000 Deductible | 720 | 8 | Stucco siding | No |
| 1982 | 225,000 | Composition Roof | 1,950 | 3 | $1000-$2500 Deductible | 160 | 3 | Stone Siding | No |
| 1991 | 325,000 | Shingles Roof | 4,180 | 5 | $500- $1000 Deductible | 860 | 6 | Brick siding | No |
| 1984 | 180,000 | Membrane Roof | 2,290 | 3 | $5000 to $10,000 Deductible | 100 | 2 | Stucco siding | yes |
| 1983 | 425,000 | Membrane Roof | 4,510 | 5 | $2500-$5000 Deductible | 400 | 3 | Brick siding | yes |
| 2013 | 305,000 | Shingles Roof | 3,230 | 5 | > $10,000 Deductible | 490 | 8 | Fiber-Cement Siding | yes |
| 1983 | 240,000 | Composition Roof | 2,530 | 5 | $500 Deductible | 1120 | 12 | Fiber-Cement Siding | yes |
| 1980 | 395,000 | Membrane Roof | 3,550 | 5 | $5000 to $10,000 Deductible | 690 | 7 | Brick siding | yes |
| 1991 | 185,000 | Composition Roof | 1,970 | 4 | $500 Deductible | 310 | 5 | Stone Siding | No |
| 2011 | 200,000 | Membrane Roof | 1,980 | 4 | $500- $1000 Deductible | 490 | 8 | Vinyl siding | yes |
| 1996 | 150,000 | Shingles Roof | 1,790 | 3 | $1000-$2500 Deductible | 560 | 10 | Vinyl siding | yes |
| 1994 | 185,000 | Asphalt Shingles Roof | 2,220 | 4 | $5000 to $10,000 Deductible | 290 | 7 | Stucco siding | yes |
| 1984 | 180,000 | Composition Roof | 1,740 | 3 | $1000-$2500 Deductible | 910 | 12 | Brick siding | yes |
| 2002 | 180,000 | Slate Shingles Roof | 1,570 | 3 | $1000-$2500 Deductible | 200 | 4 | Fiber-Cement Siding | yes |
| 1987 | 210,000 | Metal Roof | 2,460 | 4 | $500- $1000 Deductible | 630 | 9 | Stone Siding | No |
| 2009 | 225,000 | Composition Roof | 2,560 | 4 | $500 Deductible | 300 | 3 | Stone Siding | No |
| 1981 | 245,000 | Shingles Roof | 2,120 | 3 | $1000-$2500 Deductible | 320 | 4 | Wood siding | No |
| 2012 | 205,000 | Metal Roof | 1,940 | 4 | $2500-$5000 Deductible | 120 | 2 | Fiber-Cement Siding | No |
| 1994 | 285,000 | Tile Roof | 3,230 | 4 | $5000 to $10,000 Deductible | 160 | 2 | Stone Siding | No |
| 2011 | 220,000 | Membrane Roof | 2,360 | 3 | $500 Deductible | 380 | 4 | Fiber-Cement Siding | yes |
| 2011 | 350,000 | Metal Roof | 3,590 | 5 | $500 Deductible | 240 | 2 | Stone Siding | No |
| 2013 | 190,000 | Slate Shingles Roof | 1,690 | 3 | $2500-$5000 Deductible | 250 | 4 | Vinyl siding | yes |
Latest Home Insurance Reviews
State FarmI would recommend State Farm as they have been very helpful as long as I have had them.
State FarmState farm has local insurance agents in the town we live in. even though they are a nation wide company, it feels like a small company.
Farmer's InsuranceI had an issue where they thought that i canceled my insurance with them, it was a mix-up with the old owner and me.
AllstateMy home insurance company offers different coverage options. this helps with providing better insurance coverage. you can purchase what you feel is better for your home insurance.
AllstateI would recommend my insurance company because my agent makes it very simple.
NationwideThey are fast and easy to work with. Friendly and helpful. They are good at updating you on things that have changed.
State FarmConfusing log in that only seems to be set up for potential customers and not existing customers. The site does not recognize my name as a policyholder.
American Modern InsuranceI've not shopped around, but it seems fair considering the value of the house and where I live. I've not seen it raised or changed extensively.
AllstateAbout 4 years ago I switched from State Farm and got a significant rate reduction for both home and auto
State FarmI would recommend Statefarm because I have had only positive experiences with them. I like the cost of the coverage thus far. I like the people in the office.