Huntsville Insurance Rates:

Huntsville, AL homeowners 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. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

I would recommend Allstate for its value: Good customer service backed with solid claims paying ability makes this a viable choice for all.
the insurance company was good development for the solution but recover are great
Gulfstream Property And Casualty Insurance Company
The coverage is just what i need if someone gets hurt on my property. gulfstream did not gouge me on the price.
I have compared policy offerings with other competitors and feel that I am getting the best policy for what I am able to pay for one. I use to have a bad policy with another company that I paid more for then I do now.
State Farm
I have state farm for my apartment rental insurance. i like that they do automatic payments for my premium each month. it is convenient and the $20 is a good value.
State Farm
It seems like my insurance company never wants to pay for anything! after a long follow-up, they didn't pay anything for my valid insurance claim
They're also very affordably priced. i shopped around last year when my insurance contract was up, and they beat competitors' prices by 10%. that's really nice.
State Farm
I've never had a problem contacting the insurance company. They've always been very patient and thorough during the whole process when I've needed them.
They have a failure to communicate. We resolve issues with the local office but will still receive a bill or something that doesn't reflect the recent communication. They are very slow.
Farmer's Insurance
Every time call(which is not very often) people are pleasant and courtesy. If they need to call back, they always call me back.
State Farm
I don't like my State Farm agent. All he cares about is himself. He nor his secretary never listens to a word I say. I do not recommend State Farm Insurance!!!
I haven't looked into other companies. I prefer to keep everything bundled together for one payment and ease with dealing with one company for auto.
State Farm
the only thing that i'd complain about is the price. but then I think all insurance is too expensive. i'd like to see better discounts, especially for long standing customers like us.
State Farm
I can't really say I dislike anything as I have yet to file a claim and everything has been pretty straightforward thus far as far as I am concerned
There really is much I like about the company other than the fact that they did settle my claim quickly but of course they increase your rate for every little thing too. I have not had any other accidents.
I do not like that I have to pay three different entities for coverage for different things. I would prefer to deal with one point of contact.
I have been happy with their service and pricing. I would recommend them to others in a similar life situation to myself. I'm not sure if I would recommend them to people who have different needs than my own.
State Farm
I would recommend this company as I like my agent and have never had a problem paying my bills or reaching customer service.
very great company has very great deals, and offers very great customer service, representatives are very proffesional and nice
Allstate is a pretty great home insurance company. They do what we need them to do at times and whenever I need information from them they are able to provide me with it. I enjoy working with the people there.
Geico was originally a government insurance company. Since my boyfriend is ex-military we got a discount for that and another for multiple policies (we also have auto through Geico).
State Farm
I like how professional they were on the phone. I like how fast they had someone come to our home and give us an estimate. I like how quickly we could get our roof fixed.
State Farm
I dislike that they are sometimes slow to respond. When I filed a claim they did not interact with me as frequently as they could have. This bothered me and made me consider changing to a new company.
The rate could be lower but then again that would only lower claim payouts, you get what you pay for in most cases.

Huntsville, AL Homeowners Insurance By Home Value

Huntsville, AL Home Value Total Homes % of Total Average Huntsville, AL 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

Top Home Insurance Agents Near Huntsville, AL

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

Huntsville, AL Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Huntsville, AL

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

Huntsville, AL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Huntsville$146 to $149
Madison County$147
Moores Mill$146

Huntsville, 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
Madison County, Alabama $123 $163 $245
Meridianville CDP, Alabama $123 $164 $246
Moores Mill CDP, Alabama $122 $163 $244

Huntsville, 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
Huntsville, AL6.9%23.4%
Madison County6.65%23.54%
Moores Mill7.04%24.97%

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

Average Cost Of Home Insurance By Company In Areas Nearby Huntsville For Different Scenarios

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

Huntsville, AL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
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

Huntsville, AL Home Insurance Costs With Home Replacement Value Scenarios

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

Example Huntsville Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceTravelersState Farm
Monthly Premium 283354
Year Built 197720091998
Home Details 4 Beds, 3 Baths3 Beds, 2 Baths5 Beds, 4 Baths
Coverage Amount $100000-$125000$100000-$125000$200000-$250000
Deductible $2500-$5000 Deductible$2500-$5000 Deductible$2500-$5000 Deductible

Sample Home Insurance Rates for Huntsville, AL from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1982 180,000 Metal Roof 1,620 4 $5000 to $10,000 Deductible 360 10 Vinyl siding yes
2006 150,000 Tile Roof 1,420 2 $1000-$2500 Deductible 490 6 Stucco siding No
2009 345,000 Metal Roof 3,390 4 $5000 to $10,000 Deductible 230 2 Wood siding No
1975 120,000 Slate Shingles Roof 1,380 2 $500- $1000 Deductible 50 1 Fiber-Cement Siding No
1991 180,000 Membrane Roof 2,000 3 $5000 to $10,000 Deductible 400 6 Vinyl siding yes
1973 130,000 Membrane Roof 1,370 2 $500- $1000 Deductible 290 7 Stucco siding yes
1971 140,000 Asphalt Shingles Roof 1,830 5 $2500-$5000 Deductible 290 7 Wood siding yes
2009 110,000 Tile Roof 1,220 2 $500 Deductible 320 10 Vinyl siding No
1979 125,000 Shingles Roof 1,640 3 $1000-$2500 Deductible 60 1 Brick siding No
2004 295,000 Wood Shake Roof 3,090 4 $5000 to $10,000 Deductible 150 2 Vinyl siding No
1995 205,000 Asphalt Shingles Roof 1,920 3 $500- $1000 Deductible 80 1 Wood siding No
1994 120,000 Membrane Roof 1,300 3 $500 Deductible 630 10 Brick siding yes
1983 390,000 Asphalt Shingles Roof 3,460 5 $5000 to $10,000 Deductible 690 7 Fiber-Cement Siding yes
1971 145,000 Tile Roof 1,770 3 $2500-$5000 Deductible 50 1 Fiber-Cement Siding No
1975 155,000 Asphalt Shingles Roof 1,410 2 $2500-$5000 Deductible 270 5 Stucco siding No
1982 150,000 Slate Shingles Roof 1,760 3 $500 Deductible 440 8 Brick siding yes
1982 340,000 Tile Roof 3,230 4 $500 Deductible 480 4 Stucco siding yes
1998 170,000 Asphalt Shingles Roof 1,930 4 $2500-$5000 Deductible 180 3 Stucco siding No
1976 120,000 Slate Shingles Roof 1,560 3 $1000-$2500 Deductible 650 12 Stucco siding yes
2001 250,000 Composition Roof 2,550 4 > $10,000 Deductible 280 6 Fiber-Cement Siding yes
1987 205,000 Membrane Roof 1,990 3 $5000 to $10,000 Deductible 440 9 Stone Siding No
2012 170,000 Wood Shake Roof 1,710 3 $1000-$2500 Deductible 360 7 Stucco siding yes
1987 225,000 Shingles Roof 3,020 4 $500 Deductible 850 12 Brick siding No
1988 170,000 Tile Roof 1,780 2 $2500-$5000 Deductible 200 5 Brick siding yes
1990 75,000 Asphalt Shingles Roof 910 2 $1000-$2500 Deductible 130 4 Wood siding No
2008 300,000 Wood Shake Roof 3,500 5 $1000-$2500 Deductible 700 8 Brick siding No
1981 360,000 Wood Shake Roof 4,340 5 $500 Deductible 1050 6 Stucco siding yes
1979 205,000 Wood Shake Roof 1,880 3 > $10,000 Deductible 240 5 Vinyl siding yes
1981 200,000 Asphalt Shingles Roof 2,410 4 $5000 to $10,000 Deductible 200 3 Brick siding yes
1998 95,000 Wood Shake Roof 999 2 $5000 to $10,000 Deductible 110 2 Wood siding yes

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