How Much Does Birmingham, AL Home Insurance Cost?
Birmingham, AL Average Homeowners Insurance Cost
$1,111
Homeowners Insurance Cost - Birmingham, AL
$121,200
Median Home Value - Birmingham, AL
Birmingham, AL Homeowners Insurance Cost Based on Deductible
| Deductible | Home Insurance Cost Discount | Homeowners Insurance Cost |
|---|---|---|
| $500 Deductible | -$13.33 | $1,097.67 |
| $1000 Deductible | -$117.99 | $993.01 |
| $1500 Deductible | -$176.2 | $934.8 |
| $2000 Deductible | -$262.42 | $848.58 |
| $2500 Deductible | -$313.3 | $797.7 |
Birmingham, AL Homeowners Insurance Cost by on Age of Home
| Age of Home | Home Insurance Cost Discount/Excess | Home Insurance Cost |
|---|---|---|
| Newly Constructed Home | -$289 | $822 |
| 30 year old | +$17 | $1,128 |
| 40 year old | +$29 | $1,140 |
| 50 year old | +$42 | $1,153 |
| Above 50 year old | +$53 | $1,164 |
Birmingham, AL Homeowners Insurance Cost Based on Construction Type of Home
| Construction Type | Home Insurance Cost Savings | Home Insurance Cost |
|---|---|---|
| Fire Resistive | -$144 | $967 |
| Superior | -$100 | $1,011 |
| Masonry | -$56 | $1,055 |
| Brick | -$56 | $1,055 |
| Hail Resistant Roof | -$33 | $1,078 |
Birmingham, AL Homeowners Insurance Cost for Homes with Swimming Pools
| Type | Homeowners Insurance Cost Increase | Homeowners Insurance Cost |
|---|---|---|
| Owning A Swimming Pool | +$22 | $1,133 |
| Swimming Pool With A Diving Board | +$56 | $1,167 |
| Swimming Pool With Slide | +$67 | $1,178 |
Birmingham, AL Homeowners Insurance Discounts for Homes Near Public Safety Departments
| Type | Homeowners Insurance Cost Savings | Homeowners Insurance Cost |
|---|---|---|
| Fire Station | $33 | $1,078 |
| Police Department | $11 | $1,100 |
Birmingham, AL Homeowners Insurance Percentage Increase Based on Claims Filed
| Type of Claim | Homeowners Insurance Cost Increase | Homeowners Insurance Cost |
|---|---|---|
| Filing a Second Fire Claim | +$466.62 | $1,578 |
| Filing a Second Liability Claim | +$422.18 | $1,533 |
| Filing a Second Theft Claim | +$422.18 | $1,533 |
| Filing a Second Water Claim | +$366.63 | $1,478 |
| Filing a Fire Claim | +$222.2 | $1,333 |
| Filing a Liability Claim | +$211.09 | $1,322 |
| Filing a Theft Claim | +$211.09 | $1,322 |
| Filing a Water Claim | +$177.76 | $1,289 |
| Filing a Weather Claim | +$177.76 | $1,289 |