How much is homeowners insurance in Mobile, AL

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In Mobile, homeowners pay an average annual rate of $5,027 (for the coverage level of $300,000 for dwelling, $100,000 for liability protection, and $1,000 deductible), according to Insure.com’s rate analysis. It’s $2,523 more than the national average of $2,504.

Homeowners insurance rates change from one home to another. The home insurance premium in Mobile depends on various factors, such as:

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

To ensure you secure the best homeowners insurance policy, compare quotes from multiple insurers, enabling you to find the right coverage that aligns with your specific requirements.

Read this guide to learn how much homeowners insurance costs monthly in Mobile, what home insurance costs for different dwelling coverage, and which companies offer cheap home insurance in Mobile.

How much is homeowners insurance in Mobile per month

Residents of Mobile pay an average of $419 a month for homeowners insurance, as per Insure.com’s rate analysis. It’s $158 more than the state average of $261 and $210 more than the national average for home insurance across the United States.

The cost of your homeowners insurance policy in Mobile may change based on location, property value, and selected coverage options.

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

In Mobile, AL, homeowners pay an average of $3,763 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 Mobile

Based on a rate analysis conducted by Insure.com, Mobile residents pay an average of $5,027 per year to insure a home for coverage limits of $300,000 dwelling, $100,000 liability with a $1,000 deductible. If you plan to increase your dwelling coverage from $200,000 to $300,000, you must pay an additional $1,264 per year for home insurance.

Buying adequate insurance to cover the entire expense of rebuilding your home is best advisable. However, the amount of dwelling coverage you need may vary depending on your home’s size, amenities, and the cost of living in your area.

How much is homeowners insurance in Mobile by company

Among the carriers analyzed, State Farm is the most affordable homeowners insurance company in Mobile, offering an average annual rate of $2,531, while Country Financial ranks second.

Researching a company thoroughly before selecting a homeowners insurance policy is essential. Insure.com has meticulously reviewed all insurance companies operating in Mobile and compiled a list of the most affordable options.

Below are the details of home insurance companies in Mobile 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 can provide valuable protection against the financial impact of natural disasters. Standard home insurance policies typically cover damages from fire, windstorms, hail and lightning. However, events such as floods, earthquakes or landslides are often excluded and require purchasing additional policies or endorsements. For example, flood insurance must be purchased separately, as it is not typically covered by a standard home insurance policy.

Home insurance helps pay for home repairs, replacement belongings and temporary living expenses if your dwelling becomes uninhabitable due to damage. The protection offered by home insurance can significantly reduce the financial impact of natural disasters.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Mobile 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.

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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