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

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
Capitol Benefits
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.

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

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
Madison$153

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%
Meridianville6.62%24.24%
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
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

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
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