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.

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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

PlaceSavings 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

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Alabaster, AL5.9%21.4%
Brantleyville8.67%24.92%
Alabaster-Helena5.64%19.81%
Helena5.78%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 DeductibleHigh 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 FarmAmica Mutual Insurance CompanyAllstate
Monthly Premium 566596
Year Built 201119841997
Home Details 3 Beds, 1 Baths4 Beds, 3 Baths5 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 Farm
I would recommend State Farm as they have been very helpful as long as I have had them.
State Farm
State 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 Insurance
I had an issue where they thought that i canceled my insurance with them, it was a mix-up with the old owner and me.
Allstate
My 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.
Allstate
I would recommend my insurance company because my agent makes it very simple.
Nationwide
They are fast and easy to work with. Friendly and helpful. They are good at updating you on things that have changed.
State Farm
Confusing 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 Insurance
I'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.
Allstate
About 4 years ago I switched from State Farm and got a significant rate reduction for both home and auto
State Farm
I 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.

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