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.
Latest Home Insurance Reviews
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.
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 |
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 |
|---|---|---|---|---|---|---|---|---|---|
| 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 |