Tuscaloosa Insurance Rates:

Tuscaloosa, AL homeowners insurance is approximately $831 to $1,128, about $69-$94/month. Our exhaustive guide shows customers can save upto $391 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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How to Reduce the Cost of Homeowners Insurance in Tuscaloosa, AL

The average price of home insurance in Tuscaloosa, AL, is $1304. Tuscaloosa, AL, is a great place to live, and one of the many reasons is because of homeowners insurance availability. Homeowners insurance protects you and your home in the event of damage or destruction due to fire, wind, hail, lightning, theft, and more. Having this coverage in place is important to feel confident that you and your home are protected. There are a few things to keep in mind when shopping for homeowners insurance in Tuscaloosa, AL. First, make sure to get quotes from multiple insurers so that you can compare rates. It's also important to read the policy carefully to understand what is and is not covered. Make sure to ask your agent any questions you have so that you can be sure that you have the coverage you need.

The cost of homeowner's insurance in Tuscaloosa, Alabama, can be influenced by a number of factors, including the size and location of the building, its age, the homeowner's credit history, coverage, and deductibles, the materials used to create it, and many others. Read the information below to find out how to get your Tuscaloosa, Alabama, homeowner's insurance rates lower.

By Choosing a Higher Deductible

Deductibles are the amount you would have to pay out-of-pocket before your insurance policy kicks in and covers the rest. The higher your deductible is, the less your insurance company will have to pay if you make a claim. As a result, they will charge you a lower premium. Sometimes, you can save hundreds of dollars each year by choosing a higher deductible. You need to be sure that you can afford to pay the higher deductible if something does happen. Otherwise, you could end up being stuck with a large bill you can't afford. For instance, in Tuscaloosa, Alabama, homeowners with deductibles of 500 and 1500 pay premiums of $1440.56 and $1226.76, respectively. On the other side, homeowners who selected deductibles of 2000 and 2500 pay $1113.62 and $1046.84, respectively.

By Installing Security Features

One of the best ways to save on homeowners insurance is by installing security features in your home. By taking this step, you can often secure a discount on your policy. Here are a few security features you may want to consider installing to save money on your homeowners insurance in Tuscaloosa, AL. Cameras, deadbolt locks, and security alarms are a few security systems that can be put in your home. These security features can reduce your chance of needing to claim with your homeowner's insurance provider, which will help prevent burglars and other criminals from breaking into your house. Homeowners in Tuscaloosa, Alabama, pay $1173.6 for homes with deadbolt locks.

By Maintaining a Zero Claims History

By maintaining a zero claims history, you can help to reduce your homeowners insurance rate in Tuscaloosa, AL. Insurance companies view this as a sign that you are a responsible homeowner who takes care of your home and property. Additionally, a zero claims history may also indicate that you have a lower risk of filing a future claim, which could save the insurance company money. For instance, in Tuscaloosa, Alabama, homeowners who have never filed a claim must pay a premium of $1134.48. In contrast, in Tuscaloosa, Alabama, homeowners must pay $1395.28 or $1486.56 for one or two claims.

Tuscaloosa, AL Homeowners Insurance By Home Value

Tuscaloosa, AL Home Value Total Homes % of Total Average Tuscaloosa, AL Homeowners Insurance
Less than $50,000 1,964 9.0% $146
$50,000 to $59,999 679 3.0% $323
$60,000 to $69,999 404 2.0% $401
$70,000 to $79,999 572 2.0% $460
$80,000 to $89,999 971 4.0% $528
$90,000 to $99,999 996 4.0% $587
$100,000 to $124,999 2,445 12.0% $675
$125,000 to $149,999 2,087 10.0% $851
$150,000 to $174,999 2,844 14.0% $1008
$175,000 to $199,999 1,673 8.0% $1165
$200,000 to $249,999 2,182 10.0% $1399
$250,000 to $299,999 1,624 8.0% $1713
$300,000 to $399,999 1,576 7.0% $2173

Top Home Insurance Agents Near Tuscaloosa, AL

Home Insurance Company Near Tuscaloosa, AL Homeowners Insurance Agency Near Tuscaloosa, AL Address
State Farm Bill Myrick 1953 Hoover Ct, Hoover, AL, 35226-3606
Travelers Clark Associates 2229 ROCKY RIDGE RD, BIRMINGHAM, AL, 35216
Allstate Karen Ross Miller 2798 John Hawkins Pkwy Ste 114, Hoover, AL, 35244
Travelers The Turner Agency 202 Temple Ave North, Fayette, AL, 35555
Allstate Usi Insurnace Svcs 1701 McFarland Blvd N, Tuscaloosa, AL, 35406

Tuscaloosa, AL Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Tuscaloosa, AL

Streets in Tuscaloosa Area Homeowners Insurance Cost
Autumn Hill Dr, Cherokee Ave, Ty Rogers Jr Ave, Magnolia Vlg Dr, 38th St, 49th Ave E, Sunset Dr, Crete Cir, Sextonbend Rd, Mimosa Gardens Ln$1,111
33rd Pl, Shea Harbor Dr, Knight Ave, 21st Ave E, 10th Ave E, Dr Edward Hillard Dr, Cedar Lake, 28th Ave E, Parkwood Dr, 3rd St$951
Clearview Hills Cir, Fairmont Dr, 29th Ave, Amanda Dr, Sagewood Dr, 15th Ave E, Charleston Ct, Canyon Mill Rd, 54th Ave E, Stonehill Ln$950
Campus Dr, Perch Dr, 41st Ave E, Green Acres Ln, 3rd St E, 27th Pl, Chestnut St, Elm St, Moundville Ln, Bear Creek Cutoff Rd$943
1st St E, Woodhill Cir, 57th Ave E, Riva Ridge Dr, 3rd St E, Oak Dr, 51st Ave E, 26th St NE, 1st Pl E, 33rd Ct$947
Dauphine Dr, 15th St NE, 5th St NE, McCorvey Dr, 19th St E, Birch Dr, Resource Dr, 47th Ct E, Harbourview Dr, Yellow Creek Rd$903
Petersburg Rd, Herman Boyd Rd, Sage Dr, 25th Ave NE, Holly St, Ridgeland, 6th Ave E, 12th St E, 51st Ave E, 4th St$963
Waco Rd, 23rd Ct, Mimosa Gardens Dr, Argonne Dr, Riverdale Ln, Meadowlawn St, Lesley Dr, Ash Rd, Ozment Rd, Killick Pl$943
Grey Cir, Stardust Dr, Julia Tutwiler Dr, Reichhold Cir, Lurleen Wallace Blvd N, 43rd Ave, Bellwood Dr, Keenes Mill Rd, Hunt Cir, Canyon Mills Dr$948
7th St, 32nd Ave E, Wallace Wade Ave, Carriage Ln E, Short 24th Ave E, 33rd Ct, Bealle St NE, Devotie Dr, Hillcrest School Rd, Southside Dr$927

Tuscaloosa, AL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Tuscaloosa$146 to $149
Tuscaloosa County$146

Tuscaloosa, 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
Holt CDP, Alabama $139 $185 $278
Tuscaloosa County, Alabama $146 $195 $293
Northport CCD, Tuscaloosa County, Alabama $147 $196 $294

Tuscaloosa, 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
Tuscaloosa, AL6.4%20.6%
Tuscaloosa County6.62%22.66%

Tuscaloosa Renters Insurance as a Percentage of Rent

Tuscaloosa Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 378 2.0% $348
$200 to $299 505 2.0% $798
$300 to $499 1,809 10.0% $1248
$500 to $749 6,142 34.0% $1923
$750 to $999 5,370 29.0% $2673
$1,000 to $1,499 2,976 16.0% $3798
$1,500 or more 784 4.0% $5448

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

Deductible Coverage Company Premium ($)
$500 $150,000 American National General Ins Company 941
$500 $150,000 Coastal American Insurance Company 1272
$500 $150,000 Mid Century Ins Co 1632
$500 $150,000 State Farm Fire & Casualty Company 1903
$500 $300,000 American National Property & Casualty Company 1310
$500 $300,000 Esurance Insurance Company 1477
$500 $300,000 Farmers Insurance Exchange 2430
$500 $300,000 Garrison Property And Casualty Insurance Company 1986
$500 $300,000 Usaa General Indemnity Co 2007

Tuscaloosa, AL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Tuscaloosa Homeowner Insurance Premium Example $1,100$900
Out of Pocket Expense During Claim$1,600$2,600
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $10,400$9,800
Net Savings to Tuscaloosa Home Owner from High Deductible Plan $600

Tuscaloosa, AL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Tuscaloosa, AL Home Replacement Value MORE than Home Value Tuscaloosa, AL Home Replacement Value LESS than Home Value
Replacement Value $58,500 $39,000
Insurance Premium based on Replacement Value $275 $175
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $8,500 Risk Exposure from Under Insuring Coverage is $11,000
Premium Impact Insurance cheaper by $50/year Insurance costlier by $50/year

Example Tuscaloosa Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceLiberty MutualTravelers
Monthly Premium 1585278
Year Built 201320081988
Home Details 5 Beds, 3 Baths3 Beds, 1 Baths4 Beds, 1 Baths
Coverage Amount $400000-$500000$125000-$150000$200000-$250000
Deductible $1000-$2500 Deductible$2500-$5000 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2014 340,000 Tile Roof 3,720 5 $2500-$5000 Deductible 940 9 Fiber-Cement Siding No
1972 185,000 Slate Shingles Roof 2,080 5 $5000 to $10,000 Deductible 250 6 Stucco siding No
2009 160,000 Asphalt Shingles Roof 1,640 4 $500 Deductible 400 5 Vinyl siding No
1985 135,000 Slate Shingles Roof 1,620 2 $1000-$2500 Deductible 640 12 Vinyl siding yes
2002 310,000 Slate Shingles Roof 4,120 5 $2500-$5000 Deductible 660 12 Wood siding yes
1980 195,000 Asphalt Shingles Roof 1,970 3 $2500-$5000 Deductible 160 3 Stucco siding No
1972 185,000 Shingles Roof 2,000 3 $1000-$2500 Deductible 500 8 Wood siding No
1981 245,000 Tile Roof 2,930 5 $2500-$5000 Deductible 410 5 Brick siding yes
2012 95,000 Wood Shake Roof 1,270 2 $500 Deductible 420 10 Vinyl siding yes
1988 100,000 Shingles Roof 1,260 2 $2500-$5000 Deductible 30 1 Fiber-Cement Siding No
1993 140,000 Metal Roof 1,390 2 $2500-$5000 Deductible 110 2 Stone Siding No
1988 235,000 Membrane Roof 2,200 3 > $10,000 Deductible 360 7 Stone Siding No
1973 150,000 Composition Roof 1,660 2 $500- $1000 Deductible 320 9 Fiber-Cement Siding yes
2003 235,000 Tile Roof 2,720 4 $500 Deductible 990 9 Wood siding No
2012 120,000 Composition Roof 1,340 3 $1000-$2500 Deductible 200 5 Stone Siding No
1986 190,000 Tile Roof 1,720 4 $500 Deductible 490 6 Stone Siding No
2014 290,000 Shingles Roof 3,330 4 $500 Deductible 760 7 Brick siding yes
2002 275,000 Metal Roof 2,930 4 $500- $1000 Deductible 230 2 Fiber-Cement Siding yes
2013 140,000 Metal Roof 1,260 3 $500- $1000 Deductible 380 8 Fiber-Cement Siding yes
1987 490,000 Composition Roof 4,940 5 $1000-$2500 Deductible 740 4 Vinyl siding yes
2009 155,000 Tile Roof 1,620 3 $500- $1000 Deductible 190 3 Vinyl siding No
2003 150,000 Asphalt Shingles Roof 1,620 2 $5000 to $10,000 Deductible 400 12 Brick siding No
1981 155,000 Metal Roof 1,450 3 $2500-$5000 Deductible 130 3 Vinyl siding yes
1988 110,000 Slate Shingles Roof 1,470 2 $500- $1000 Deductible 180 4 Brick siding No
1975 190,000 Asphalt Shingles Roof 2,240 3 $5000 to $10,000 Deductible 400 8 Fiber-Cement Siding yes
1979 145,000 Metal Roof 1,550 2 $500- $1000 Deductible 60 1 Stone Siding yes
2007 315,000 Metal Roof 3,260 4 > $10,000 Deductible 1090 12 Stone Siding No
1987 245,000 Asphalt Shingles Roof 3,250 5 > $10,000 Deductible 280 5 Fiber-Cement Siding yes
1974 190,000 Composition Roof 1,760 2 $500- $1000 Deductible 320 4 Brick siding yes
1963 110,000 Composition Roof 1,121 2 $500- $1000 Deductible 610 10 Stone Siding No

Latest Home Insurance Reviews

I would definitely recommend Progressive because they are an established company with a great reputation and I have had nothing but great interactions with them over the past seven years.
im not too sure about too many other companies however i did have allstate and they where ore exspensive
State Farm
I never actually had to deal with the customer service for home insurance. I have not had to call them for anything. The only time I called was to make a payment, and they were very nice.
My home insurance company Geico is a lot cheaper than many other companies out there. This does not mean that I don't think their prices are still a little bit higher. When I was shopping for home insurance Geico offered me the best quote.
State Farm
State Farm has a very reasonable and low deductible compared to other home insurance policies. They also give me better coverage than the other companies for less money. It makes it better .
Liberty Mutual
When I call their main company line, their representatives have been great and get me the info I need. I find it frustrating that I can never get in touch with my actual agent and they never call me back evem if I leave a message.
State Farm
It has been pretty good but it might be a little bit too expensive. We havent had any issues with our house where we had to call the insurance agent though.
State Farm
I am satisfied. My coverage is pretty equivalent to like providers. I do not feel like I’m losing anything but also do not feel I have special extra coverage.
the customer service is always available and able to assist me with any problems or questions I have. They are always cheerful and willing to help out.
I have nothing to compare it to because I've never gone to another home insurance company. If I ever need to shop around I suppose I'll have to learn about all of that but until that day I'm pretty comfortable with Allstate
State Farm
They are such a big company that i don't know if my business really matters and that makes me a little nervous should i ever need them.
State Farm
I greatly appreciate how easy their online portal makes reviewing my insurance coverage. i am also able to quickly communicate with my insurance agent easily online, which suites my availability.
Dai-Ichi Insurance
The high-interest rate, the priority to enroll children in the international arena, is protected the risk is good for dai-ichi, after the release of the contract you have 21 days to review the terms if you want to cancel or change.
Country Financial
I like that my agent was able to answer questions regarding the buying process and my needs prior to payment.
State Farm
The insurance company has always communicated with me about claims and changes to my insurance. If I had questions they have answered them fully and to the best of their knowledge.
Farmer's Insurance
It's hard to get a hold of a live person sometimes but the interaction is personal and positive. No matter what my concern is if they don't know the answer, they find it for me.
They have excellent customer service, always willing to help and they seem to enjoy the job. I have never had a problem before
Amica Mutual Insurance
I think that the premium charged by the company is a bit higher as compared to other home insurance companies in this segment. I dislike this one thing.
We have always been able to reach our agent whenever needed (which has been very rare), and they have always been courteous and helpful.
I like that the site is very easy to log into and make changes to the policy if necessary. I have set up my payment to be deducted monthly by using the website which is great since I cannot pay it all at once.
I like the premium I can afford and they always send me good offers and deals for another type of insurance that maybe one day I will look to bundle with my current one
I think they need to figure out some better ways of running things sometimes because sometimes it is kind of annoying
I would recommend this company. I would especially recommend it to people who get special group rates through work. I am very happy with our monthly premium. That's all of the experience that I've had with the insurance, thank my lucky stars, is paying the premium. And we get a lot of mail from them.
I would recommend Allstate for home insurance. Their prices are the best I've found and they make the process easy.
It is a great company overall. They presented me with multiple options and were very experienced and nice. Also, they save me a lot of money.
I like how they are always keeping me in mind and always giving me great treatment as a long time customer
Farmer's Insurance
I like that I have my own agent. My agent is very dependable and is fully staffed, so I always have assistance for my insurance needs.
I would recommend Allstate because hey have better products that they offer. I also see that the prices are also very affordable to all the consumers on the policy.

How To Make Your Tuscaloosa, AL Home Insurance Cheaper

How Much Does Tuscaloosa, AL Home Insurance Cost?