Huntsville ,AL Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.
VHome Insurance conducted a thorough analysis of the Huntsville, AL homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Huntsville, AL is $1737. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Huntsville, AL. VHome Insurance will help you navigate the world of homeowners insurance coverages in Huntsville, AL.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $695 |
| $200,000 | $1,181 |
| $300,000 | $1,459 |
| $400,000 | $2,223 |
| $500,000 | $2,797 |
Home insurance costs in Huntsville can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.
| Zipcode | Average Insurance Premium |
|---|---|
| 035816 | $2,144 |
| 35810 | $2,145 |
| 35805 | $2,133 |
| 35824 | $2,395 |
| 35801 | $2,459 |
| 35806 | $2,352 |
| 35802 | $2,370 |
| 35803 | $2,293 |
| 35811 | $2,294 |
One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Huntsville, AL, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,781 |
| $1000 Deductible | $1,593 |
| $1500 Deductible | $1,503 |
| $2500 Deductible | $1,355 |
| $5000 Deductible | $1,146 |
| Home Insurance Company Near Huntsville, AL | Homeowners Insurance Agency Near Huntsville, AL | Address |
|---|---|---|
| NA | T. C. Simmons Insurance Agency | 126 N Jefferson St, Winchester, TN, 37398 |
| NA | Alsup & Associates Insurance, Inc. | 203 E Jefferson St, Pulaski, TN, 38478 |
| State Farm | Libby Mays | 1162 N Brindlee Mtn Pkwy, Arab, AL, 35016-1063 |
| Allstate | Matthew Huffman | 3111 N Tustin St Ste 101, Shelbyville, TN, 37160 |
| Nationwide | Mickey Hansford Brewington | 303 Cain St NE Ste B, Decatur, AL, 35601-1983 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Madison County, Alabama | $123 | $163 | $245 |
| Meridianville CDP, Alabama | $123 | $164 | $246 |
| Moores Mill CDP, Alabama | $122 | $163 | $244 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Huntsville, AL | 6.9% | 23.4% |
| Madison County | 6.65% | 23.54% |
| Meridianville | 6.62% | 24.24% |
| Moores Mill | 7.04% | 24.97% |
| 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 |
| Streets in Huntsville Area | Homeowners Insurance Cost |
|---|---|
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Huntsville | $146 to $149 |
| Madison County | $147 |
| Moores Mill | $146 |
| Madison | $153 |
| Deductible | Coverage | Company | Premium ($) |
|---|---|---|---|
| $500 | $150,000 | Alfa Mutual Insurance Company | 1602 |
| $500 | $150,000 | Armed Forces Insurance Exchange | 833 |
| $500 | $150,000 | Guideone Specialty Mutual Insurance Co | 1325 |
| $500 | $150,000 | Safeco Insurance Company Of America | 1018 |
| $500 | $300,000 | American National Property & Casualty Company | 1098 |
| $500 | $300,000 | Amica Mutual Ins Company | 3020 |
| $500 | $300,000 | Auto Owners Ins Company | 2217 |
| $500 | $300,000 | Nationwide Mutual Fire Ins Company | 1916 |
| $500 | $300,000 | Travelers Home And Marine Insurance Company | 1242 |
| $500 | $300,000 | United Services Automobile Association | 1961 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,200 | $2,200 |
| Yearly Huntsville Homeowner Insurance Premium Example | $500 | $300 |
| Out of Pocket Expense During Claim | $1,200 | $2,200 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $5,200 | $4,600 |
| Net Savings to Huntsville Home Owner from High Deductible Plan | $600 | |
| Scenario | Huntsville, AL Home Replacement Value MORE than Home Value | Huntsville, AL Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $218,500 | $129,000 |
| Insurance Premium based on Replacement Value | $925 | $550 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $50,000 | Risk Exposure from Under Insuring Coverage is $39,500 |
| Premium Impact | Insurance cheaper by $175/year | Insurance costlier by $200/year |
| Insurance Company | Farmers Insurance | Travelers | State Farm |
| Monthly Premium | 28 | 33 | 54 |
| Year Built | 1977 | 2009 | 1998 |
| Home Details | 4 Beds, 3 Baths | 3 Beds, 2 Baths | 5 Beds, 4 Baths |
| Coverage Amount | $100000-$125000 | $100000-$125000 | $200000-$250000 |
| Deductible | $2500-$5000 Deductible | $2500-$5000 Deductible | $2500-$5000 Deductible |