How much is homeowners insurance in Tuscaloosa,AL

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

In Tuscaloosa, homeowners pay an average annual rate of $2,743 for a coverage level that includes $300,000 for dwelling, $100,000 for liability protection, and a $1,000 deductible, according to Insure.com’s rate analysis. This is $239 more than the national average of $2,504.

Homeowners insurance premiums can vary significantly from one property to another. In Tuscaloosa, the cost of home insurance is influenced by several factors, including:

Size of your home
Age of your home
Amount of coverage required
Location
Your credit score

It’s crucial to compare quotes from multiple insurers to ensure you get the best homeowners insurance policy. This allows you to find the coverage that meets your specific needs.

Read this guide to discover the monthly homeowners insurance cost in Tuscaloosa, explore the insurance costs for different dwelling coverage, and find out which companies offer affordable home insurance in Tuscaloosa.

Key takeaways

In Tuscaloosa, homeowners insurance costs $2,743 annually.
Allstate offers the most affordable homeowners insurance in Tuscaloosa with an average annual premium of $1,389.
If you increase your dwelling coverage from $200,000 to $300,000, your annual home insurance premium will be $672 higher.

How much is homeowners insurance in Tuscaloosa per month

According to our rate analysis, homeowners in Tuscaloosa pay an average of $229 per month. It’s $32 less than the state average of $261 and $20 more than the national average for home insurance across the United States.

In Tuscaloosa, the cost of your homeowners insurance policy depends on the value of your home, location, and the coverage options you select.

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

Homeowners insurance for dwelling coverage of $200,000 and liability protection of $100,000 costs $2,071 per year in Tuscaloosa, AL. Numerous factors influence your annual home insurance rates, including any natural disaster or event in your locality. For instance, certain regions have a higher risk of natural calamities such as floods, hurricanes, or tornadoes, implying higher expenses for rebuilding in these areas. These increased rebuilding expenses result in increased insurance premiums.

It is important to note that your insurance plan may not cover flood or hurricane damages. So, if you reside in an area prone to flooding, consider buying flood insurance coverage.

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

Based on a rate analysis conducted by Insure.com, Tuscaloosa residents pay an average of $2,743 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 $672 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 Tuscaloosa by company

Among the carriers analyzed, Allstate is the most affordable homeowners insurance company in Tuscaloosa. It’s average annual rate for homeowners in Tuscaloosa is $1,389.

State Farm, ranks second and Auto-Owners makes it to the third spot with an average annual home insurance rate of $2,713.

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

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

Home insurance company	Annual rate
Allstate	$1,389
State Farm	$2,477
Auto-Owners	$2,713
Alfa Corporation	$2,838
Farmers	$3,089
Country Financial	$3,098
Nationwide	$3,126
USAA*	$2,591

Methodology

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