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.

Key takeaways

In Mobile, homeowners insurance costs $5,027 annually.
State Farm offers the most affordable homeowners insurance in Mobile with an average annual premium of $2,531.
If you increase your dwelling coverage from $200,000 to $300,000, your annual home insurance premium will be $1,264 higher.

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

The average cost of homeowners insurance in Mobile, AL is $3,763 annually for the dwelling coverage of $200,000 and the liability protection of $100,000. The amount you pay for home insurance each year depends on many different things. The types of natural disasters or events that take place in your area affect how much you pay for coverage in your city.

Some areas are more at risk for natural disasters, like flood, hurricanes, or tornadoes. This means that if something happens, the cost of rebuilding would be higher in those areas, thereby leading to higher insurance premiums. Your insurance policy might not cover damage caused by floods or hurricanes. So, if you live in a flood-prone area, consider buying flood insurance coverage.

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

According to a rate analysis by Insure.com, homeowners in Mobile pay an average of $5,027 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 $1,264 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 Mobile by company

Among the carriers analyzed, State Farm is the most affordable homeowners insurance company in Mobile. It’s average annual rate for homeowners in Mobile is $2,531.

Country Financial, ranks second and Auto-Owners makes it to the third spot with an average annual home insurance rate of $3,951.

Research on the company is essential before selecting a homeowners insurance policy. Insure.com has thoroughly examined all insurance companies operating in Mobile and compiled a list of the most affordable home insurance companies.

Below are details of Mobile home insurance companies and their average annual premiums.

Home insurance company	Annual rate
State Farm	$2,531
Country Financial	$2,805
Auto-Owners	$3,951
Allstate	$4,850
Farmers	$5,191
Nationwide	$6,467
Alfa Corporation	$6,706
USAA*	$5,271

Methodology

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