Tuscaloosa Insurance Rates:

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 $1731. Enter your zipcode below and click “GO” to get multiple free quotes.

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

 

Tuscaloosa, AL Homeowners Insurance Rates by Coverage Level

It is important to understand the different coverage options available in Tuscaloosa, AL. VHome Insurance will help you navigate the world of homeowners insurance coverages in Tuscaloosa, AL.

Coverage Level Average Annual Premium
$100,000 $692
$200,000 $1,177
$300,000 $1,454
$400,000 $2,216
$500,000 $2,787

 

Tuscaloosa, AL Homeowners Insurance Rates by ZIP Code

Home insurance costs in Tuscaloosa 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
035401 $2,178
35406 $2,547
35405 $2,278
35404 $2,209

 

Tuscaloosa, 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 Tuscaloosa, AL, and how to choose the right one for your needs.

Deductible Level Average Annual Premium
$500 Deductible $1,775
$1000 Deductible $1,587
$1500 Deductible $1,497
$2500 Deductible $1,350
$5000 Deductible $1,142

 

 


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

 

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%
Holt8.54%24.58%
Tuscaloosa County6.62%22.66%
Northport6.56%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

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
Holt$138
Tuscaloosa County$146
Northport$147

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
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 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