Huntsville, AL Home Insurance - Analysis On Quotes, Rates & Agents

Huntsville, AL Insurance Rates:

vHome Insurance undertook a detailed analysis of the cost of insurance in different cities of the country. This analysis helped in narrowing down the list of the top home insurance providers in Huntsville, AL. The average cost of insurance in Huntsville, AL is $1315. The following analysis stresses the importance of comparing multiple quotes. Enter your Zip Code in the banner below to get instant home insurance quotes.

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Average Home Insurance Premium in Huntsville, AL

National Average Premium State Average Premium Huntsville Average Premium
$1,438 $1,168 $1,315

Top Home Insurance Companies in Huntsville, AL | Back to Top

The following is a list of home insurance companies that provide the best home insurance quotes in Huntsville, AL.

Company Name Coverage $70,000 Coverage $150,000 Coverage $200,000 Coverage $350,000
USAA $1,082 $1,299 $1,689 $2,330
Cincinnati Insurance $1,450 $1,740 $2,262 $3,121
Allstate $1,267 $1,521 $1,977 $2,728
Farmers $634 $761 $989 $1,365

Huntsville, AL Homeowners Insurance for Different Coverages | Back to Top

Coverage Type Home Insurance Cost($)
$100,000 To $124,999 667.46
$150,000 To $174,999 1,207.13
$175,000 To $199,999 1,393.51
$200,000 To $249,999 1,754.16
$250,000 To $299,999 2,417.35
$300,000 To $399,999 3,328.67
$400,000 To $499,999 3,872.49
$500,000 To $749,999 4,956.79
$750,000 To $999,999 5,731.29
$1000,000 To $1499,999 6,312.17
$1500,000 To $2000,000 6,776.87

Visual Guide for Huntsville, AL Home Insurance Buyers on Insurance Companies and Rates

Top Home Insurance Agents Near Huntsville, AL | Back to Top

Home Insurance Company Near Huntsville, AL Homeowners Insurance Agency Near Huntsville, AL Address
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

List of Huntsville, AL Home Insurance Agents by Companies


Huntsville, AL Homeowners Insurance Rates Based on Claims Filed | Back to Top

A discount of $157.8 on the home insurance premium is offered to Huntsville, AL homeowners who have no previous history of claims filed, Huntsville, AL homeowners with one claim have to file an additional home insurance rate of $92, while Huntsville, AL homeowners with 2 claims have to pay $158 more for their home insurance premium.

Type of Claim Homeowners Insurance Cost Increase/Decrease($) Homeowners Insurance Cost($)
No Claim Discount -158 1,157
One Claim +92 1,407
Two Claim +158 1,473


Huntsville, AL Homeowners Insurance by Zip Code | Back to Top

Zip Code Median Home Value($) Home Insurance Cost($)
35816 93,000 1,243
35810 88,000 1,332
35805 74,500 1,276
35824 224,200 1,223
35801 216,900 1,243
35806 215,200 1,243
35802 212,400 1,262
35803 167,500 1,236
35811 150,500 1,332

Factors Affecting Home Insurance Premiums in Huntsville, AL

Huntsville, AL homeowners pay an average home insurance premium of $1315. Homeowners in Huntsville, AL can lower their home insurance premiums by considering various factors. vHomeInsurance lists the factors that could help homeowners reduce their home insurance premiums.

Huntsville, AL Home Insurance Premium Based on the Number of Bedrooms | Back to Top

Bedroom Size Average Homeowners Insurance Cost($)
2 Bedroom 1,095
3 Bedroom 1,173
4 Bedroom 2,502
5 Bedroom 3,518

Huntsville, AL Home Insurance Premiums for Different Deductibles | Back to Top

Huntsville, AL Homeowners with a deductible of $500 pay a higher amount for home insurance, while Huntsville, AL homeowners who pay a deductible of $2500 pay a lower amount on their home insurance, as seen in the table below.

Deductible Type Average Homeowners Insurance Cost($)
$500 Deductible 1,299
$1000 Deductible 1,175
$1500 Deductible 1,106
$2000 Deductible 1,004
$2500 Deductible 944

Huntsville, AL Homeowners Insurance Premium Based on the Age of the Home | Back to Top

Homeowners in Huntsville, AL pay a much lower home insurance rate if their homes are newly constructed. Homeowners with homes that are older than 50 years pay a much higher rate on their home insurance premium as seen in the table below.

Home Age Homeowners Insurance Cost($)
Newly Constructed Home 960
Year 30 Old 1,335
Year 40 Old 1,349
Year 50 Old 1,365
Above Year 50 1,378

Huntsville, AL Homeowners Insurance Cost Based on the Construction Type of the Home | Back to Top

Construction Type Home Insurance Cost Savings($) Home Insurance Cost($)
Fire Resistive 145 1,170
Masonry 66 1,249
Brick 66 1,249
Superior 118 1,197
Hail Resistant Roof 26 1,289

Top Saving Tips on Huntsville, AL Homeowners Insurance | Back to Top

Huntsville, AL Homeowners can earn discounts on homeowners insurance based on the construction type of their home. Homes that are built using damage-resistant materials are considered a safe bet for home insurance companies. Huntsville, AL Homeowners can also choose to bundle their home and auto insurance policies to further reduce their home insurance premium. Apart from this, senior citizens also receive substantial discounts from home insurance companies. Homes equipped with home security devices are less prone to burglaries. As a result, Huntsville, AL homeowners receive attractive discounts from home insurance companies.

The tables below contain the complete list of discounts that Huntsville, AL homeowners can take advantage of to increase their savings.

Huntsville, AL Auto & Homeowners Insurance Bundling Discounts and Senior Citizen Discounts

Discount Type Home Insurance Cost Savings($) Home Insurance Cost($)
Bundle Discount 237 1,078
Retiree Discount (Senior Citizen Discount) 184 1,499
Newly Constructed Home 355 960

Huntsville, AL Home Insurance Discounts for Home Safety Devices | Back to Top

Home Safety Devices Home Insurance Cost Savings($) Home Insurance Cost($)
Deadbolts 158 1,157
Fire Extinguishers 132 1,184
Smoke Detectors 184 1,131
Sprinkler System 79 1,236
Fire Alarm 79 1,236
Burglar Alarm 118 1,197
Lightning Protection 39 1,276

Latest Home Insurance Reviews

Allstate
I would recommend Allstate for its value: Good customer service backed with solid claims paying ability makes this a viable choice for all.
Allstate
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.
Geico
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.
Allstate
Allstate offers great coverage through their policies at a very fair price. I am very happy with the policies they offer.
Geico
With my new insurance I have a $500 deductible before I can file a claim. That is okay because when you file a home claim it is normally for a lot more then $500. I love my new premium because the insurance costs less.
State Farm
I would recommend this company, because overall it does what it should and it checks all of my boxes. I would like to see the monthly payments go down slightly, but other than that I think it is a quality company.
Allstate
I feel like for the reasons I said above that Allstate is competitive in the home insurance field. They have the good service and fair rates. That puts them near the top of the mountain- for me.
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
Travelers
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.
Allstate
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!!!
Geico
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
Allstate
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.
Travelers
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.
Progressive
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.
Progressive
very great company has very great deals, and offers very great customer service, representatives are very proffesional and nice
Allstate
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
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.
Allstate
The rate could be lower but then again that would only lower claim payouts, you get what you pay for in most cases.