Tuscaloosa, AL Home Insurance - Analysis On Quotes, Rates & Agents
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.
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
| Place | Savings For Senior Occupied Homes |
|---|---|
| Tuscaloosa | $146 to $149 |
| Holt | $138 |
| Tuscaloosa County | $146 |
| Northport | $147 |
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
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Tuscaloosa, AL | 6.4% | 20.6% |
| Holt | 8.54% | 24.58% |
| Tuscaloosa County | 6.62% | 22.66% |
| Northport | 6.56% | 26.51% |
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 Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,600 | $2,600 |
| 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 Insurance | Liberty Mutual | Travelers |
| Monthly Premium | 158 | 52 | 78 |
| Year Built | 2013 | 2008 | 1988 |
| Home Details | 5 Beds, 3 Baths | 3 Beds, 1 Baths | 4 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
ProgressiveI 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.
Nationwideim not too sure about too many other companies however i did have allstate and they where ore exspensive
State FarmI 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.
Geico5 - KIND, COURTEOUS, AND PROFESSIONAL ARE WORDS I WOULD USE TO DESCRIBE GEICO'S CUSTOMER SERVICE. I HAVE NEVER BEEN DISAPPOINTED.
GeicoMy 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 FarmState 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 MutualWhen 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 FarmIt 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 FarmI 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.
Geicothe 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.
AllstateI 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 FarmThey 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 FarmI 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 InsuranceThe 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 FinancialI like that my agent was able to answer questions regarding the buying process and my needs prior to payment.
State FarmThe 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 InsuranceIt'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.
GeicoThey have excellent customer service, always willing to help and they seem to enjoy the job. I have never had a problem before
Amica Mutual InsuranceI 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.
GeicoWe have always been able to reach our agent whenever needed (which has been very rare), and they have always been courteous and helpful.
AllstateI 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.
GeicoI 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
GeicoI think they need to figure out some better ways of running things sometimes because sometimes it is kind of annoying
MetlifeI 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.
AllstateI would recommend Allstate for home insurance. Their prices are the best I've found and they make the process easy.
NationwideIt 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.
AllstateI like how they are always keeping me in mind and always giving me great treatment as a long time customer
Farmer's InsuranceI 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.
AllstateI 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.