Huntsville Insurance Rates:

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.

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Home Insurance Companies in Huntsville, AL: Customer-Reviewed Options


Huntsville, AL Homeowners Insurance Rates by Coverage Level

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


Huntsville, AL Homeowners Insurance Rates by ZIP Code

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


Huntsville, AL Homeowners Insurance Deductibles

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



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


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

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

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