How much is homeowners insurance in Huntsville, AL

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As per Insure.com’s rate data analysis, the average cost of homeowners insurance in Huntsville is $2,946 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), It’s $442 more than the national average of $2,504.

Homeowners insurance rates differ significantly from one home to another. Home insurance rates in Huntsville depend on several factors, including:

• Size of your home
• Age of your home
• Amount of coverage you need
• Location
• Your credit score

Allstate is the cheapest homeowners insurance company in Huntsville with an average annual premium of $1,693 per year.

This guide covers everything from available coverage options to companies with the cheapest homeowners insurance rates in Huntsville. Keep reading to learn about the monthly cost of homeowners insurance in Huntsville, the cost for different dwelling coverage levels, and discover which companies provide the most affordable home insurance in Huntsville.

How much is homeowners insurance in Huntsville per month

According to Insure.com’s rate analysis, residents of Huntsville pay an average of $245 per month for homeowners insurance. This is $16 less than the state average of $261 and $36 more than the national average for home insurance across the United States. The cost of your homeowners insurance policy in Huntsville can vary depending on your location, property value, and selected coverage options.

How much is homeowners insurance for a $200,000 house in Huntsville

In Huntsville, AL, homeowners pay an average of $2,229 annually for a $200,000 house. The amount you pay for home insurance each year depends on factors such as – natural disasters or events within your locality.

Some regions are more at risk for natural disasters, like floods, hurricanes, or tornadoes, implying higher rebuilding rates in these areas are higher, resulting in higher insurance premiums. It’s essential to note that your insurance policy might not cover damages caused by floods or hurricanes. If you reside in an area prone to flooding, consider buying flood insurance.

How much is homeowners insurance for a $300,000 house in Huntsville

According to Insure.com’s rate analysis, homeowners in Huntsville typically pay an average of $2,946 annually for a home insurance policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, your home insurance rates will rise by $717. It is advisable to purchase enough insurance to cover the entire cost of rebuilding your home. The required amount of dwelling coverage can vary based on factors such as the size of your home, its features, and the cost of living in your area.

How much is homeowners insurance in Huntsville by company

After evaluating several carriers, Allstate is the least expensive homeowners insurance provider in Huntsville. It’s average annual rate for homeowners in Huntsville is $1,693, while Auto-Owners holds the second position.

Researching the insurance company is crucial before selecting a homeowners insurance policy. Our experts have analyzed all insurance providers in Huntsville and compiled a list of the cheapest home insurance providers. Below, you’ll find the home insurance companies in Huntsville and their average annual premiums.

Common natural disasters in Alabama that may affect home insurance

Natural disasters can happen unexpectedly and cause serious damage to your home and belongings. It’s important to know these risks so you can make sure your home insurance covers you properly if something happens.

Heat wave, Lightning and Tornado are some of the common natural disasters in Alabama that could affect your home insurance costs.

How home insurance protects you against natural disasters

Home insurance helps protect your property and belongings from the financial impact of natural disasters. While standard policies generally cover damages from windstorms, hail and lightning, additional coverage is required for disasters like floods, earthquakes and wildfires.

These types of damage are usually not covered by homeowners insurance, so homeowners need to buy separate flood or earthquake insurance to ensure complete protection.

Home insurance can help pay for structural damage repairs, replace lost or damaged items, and provide funds for temporary housing if your home becomes uninhabitable. This coverage provides financial relief, making it easier for homeowners to recover quickly from the effects of natural disasters.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Huntsville for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.

Shivani Gite

Contributing Writer

 

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Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.

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