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The average cost of homeowners insurance in Tuscaloosa is $2,739 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), based on Insure.com’s rate data analysis. It’s ~$457 more than the national average of $2,282.

However, homeowners insurance rates can vary drastically from one home to another. Home insurance rates in Tuscaloosa depend on a number of factors, including:

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

To make sure you are getting the best deal on home insurance, it is important to get quotes from multiple insurers to find the right coverage for your needs. Read this guide to know how much homeowners insurance cost per month in Tuscaloosa, home insurance cost for different dwelling coverage, also know which companies offer cheap home insurance in Tuscaloosa.

In this guide, we will explain everything from what coverage options are available to which companies have the cheapest rates for homeowners insurance in Tuscaloosa.

How much is homeowners insurance in Tuscaloosa per month

Tuscaloosa homeowners pay an average of $228.25 a month, based on our rate analysis. It’s ~$18 less than the state average of $246.67 and ~$38 more than the national average for home insurance across the United States. The price of your homeowners insurance policy in Tuscaloosa 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 Tuscaloosa

The average cost of homeowners insurance in Tuscaloosa, AL is $2,322 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 Tuscaloosa

According to a rate analysis by Insure.com, homeowners in Tuscaloosa pay an average of $2,739 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 $417 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 Tuscaloosa by Company

Among the carriers analyzed, United Serv Automobile Assn Grp is the cheapest homeowners insurance company in Tuscaloosa. Its average annual rate for Tuscaloosa homeowners is $2,095 . Allstate Ins Grp ranks second and Travelers Grp makes it to the third spot with an average annual home insurance rate of $2,535 .

Before choosing a homeowners insurance policy, it is important to do some research on the company. Our experts have analyzed all the insurance companies across Tuscaloosa and prepared a list of the top ten cheapest home insurance providers. You can find below the Tuscaloosa home insurance companies and their average annual premium.

Home Insurance CompanyAnnual rate
State Farm Grp$3,823
ALFA Ins Grp$3,738
Liberty Mut Grp$3,074
Nationwide Corp Grp$3,019
Farmers Ins Grp$2,881
Travelers Grp$2,535
Allstate Ins Grp$2,269
United Serv Automobile Assn Grp$2,095

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