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 $2,946 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.

Key takeaways

Homeowners insurance costs $2,946 per year in Huntsville.
At $1,693 per year, Allstate offers the cheapest homeowners insurance in Huntsville.
Your home insurance rates increase by $717 more annually if you increase your dwelling coverage from $200,000 to $300,000.

How much is homeowners insurance in Huntsville per month

Huntsville homeowners pay an average of $245 a month, based on our rate analysis. It’s $16 less than the state average of $261 and $36 more than the national average for home insurance across the United States. The price of your homeowners insurance policy in Huntsville may vary depending on where you live, the value of your home, and the coverage you choose.

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 a rate analysis by Insure.com, homeowners in Huntsville pay an average of $2,946 per year for a $300,000 house. These rates are for the coverage limits of $100,000 for liability protection and $1000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $717 more a year for home insurance. It would be best to buy enough insurance to cover the full cost of rebuilding your home.

However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, 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.

Auto-Owners holds the second position, while State Farm secures the third spot with an average annual home insurance rate of $2,814.

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.

Home insurance company	Annual rate
Allstate	$1,693
Auto-Owners	$2,578
State Farm	$2,814
Alfa Corporation	$2,913
Farmers	$2,922
Nationwide	$3,244
Country Financial	$3,656
USAA*	$3,083

Methodology

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