Tuscaloosa ,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 Tuscaloosa, 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 Tuscaloosa, AL is $. Enter your zipcode below and click “GO” to get multiple free quotes.
| 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 |
| 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 |
| 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 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 |
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Tuscaloosa | $146 to $149 |
| Holt | $138 |
| Tuscaloosa County | $146 |
| Northport | $147 |
| Deductible | Coverage | Company | Premium ($) |
|---|---|---|---|
| $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 |
| 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 | |
| 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 |
| 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 |