Homeowners insurance in Huntsville, AL

How much is home insurance in Huntsville, AL?

The average cost of homeowners insurance in Huntsville varies depending on the coverage level you choose. Homeowners insurance costs $2,229 per year for dwelling coverage of $200,000 and $2,946 for $300,000 of dwelling coverage.

Below are the average annual and monthly Huntsville home insurance rates for different amounts of dwelling coverage.

Coverage level (Dwelling)	Average annual rate	Average monthly rate
$200,000	$2,229	$186
$300,000	$2,946	$246
$400,000	$3,610	$301
$600,000	$5,013	$418
$1,000,000	$7,866	$656

Read our methodology

Note: For the above rates, the deductible amount is $1,000 and liability protection is $100,000.

Home insurance rates in Huntsville by deductible

Home insurance rates in Huntsville vary based on the deductible you choose. If you pick a higher deductible, your monthly insurance premium will be lower, while a lower deductible, means lower premiums because the insurance company will pay more if you file a claim, and the odds of you filing a smaller claim are higher.

The table below lists the home insurance rates by deductible in Huntsville.

Deductible	Company	Average annual premium	Average monthly premium
$1,000	Allstate	$1,114	$93
$1,000	Farmers Insurance	$2,388	$199
$1,000	Auto-Owners	$2,612	$218
$1,000	State Farm	$2,846	$237
$1,000	Alfa Corporation	$3,041	$253
$1,000	Nationwide	$3,308	$276
$1,000	Nationwide	$3,411	$284
$1,000	Country Financial	$3,792	$316
$500	Allstate	$1,182	$99
$500	Farmers Insurance	$2,640	$220
$500	State Farm	$2,975	$248
$500	Auto-Owners	$3,021	$252
$500	Alfa Corporation	$3,216	$268
$500	Nationwide	$3,574	$298
$500	Country Financial	$4,388	$366
$2,000	Allstate	$1,019	$85
$2,000	Farmers Insurance	$2,100	$175
$2,000	Auto-Owners	$2,377	$198
$2,000	State Farm	$2,659	$222
$2,000	Alfa Corporation	$2,846	$237
$2,000	Nationwide	$2,954	$246
$2,000	Country Financial	$3,516	$293
$2,500	Allstate	$985	$82
$2,500	Farmers Insurance	$2,100	$175
$2,500	Auto-Owners	$2,299	$192
$2,500	State Farm	$2,659	$222
$2,500	Alfa Corporation	$2,839	$237
$2,500	Nationwide	$2,954	$246
$2,500	Country Financial	$3,516	$293
$3,000	Allstate	$956	$80
$3,000	Farmers Insurance	$2,093	$174
$3,000	Auto-Owners	$2,299	$192
$3,000	State Farm	$2,481	$207
$3,000	Alfa Corporation	$2,748	$229
$3,000	Nationwide	$2,946	$246
$3,000	Country Financial	$3,345	$279
$4,000	Allstate	$864	$72
$4,000	Farmers Insurance	$1,861	$155
$4,000	Auto-Owners	$2,086	$174
$4,000	State Farm	$2,305	$192
$4,000	Nationwide	$2,580	$215
$4,000	Alfa Corporation	$2,654	$221
$4,000	Country Financial	$2,943	$245
$5,000	Allstate	$864	$72
$5,000	Farmers Insurance	$1,821	$152
$5,000	Auto-Owners	$2,086	$174
$5,000	State Farm	$2,305	$192
$5,000	Alfa Corporation	$2,450	$204
$5,000	Nationwide	$2,580	$215
$5,000	Country Financial	$2,943	$245
$1,000	USAA	$3,126	$261
$500	USAA	$3,475	$290
$2,000	USAA	$2,659	$222
$2,500	USAA	$2,659	$222
$3,000	USAA	$2,468	$206
$4,000	USAA	$2,030	$169
$5,000	USAA	$2,030	$169

Read our methodology

Cheapest homeowners insurance companies in Huntsville

According to our analysis, Allstate is the most affordable home insurance provider in Huntsville, with an average yearly cost of $1,481.

Price is a big factor when choosing home insurance, and costs in Huntsville can vary a lot between companies. While saving money is important, it’s also a good idea to consider each company's reputation before making a decision.

The table below lists the cheapest home insurance companies in Huntsville.

Company	Average annual cost
Allstate	$1,481
Auto-Owners	$2,008
Farmers	$2,114
Alfa Corporation	$2,185
State Farm	$2,217
Nationwide	$2,374
Country Financial	$2,830
USAA	$2,350

Read our methodology

Homeowners insurance cost in Huntsville by credit rating

Insurance companies in Huntsville can use credit information as one of the factors affecting the cost of your policy.

The average home insurance cost for homeowners with an excellent credit score is $1,822; that’s $6,390 less expensive than the average cost of the same insurance for policyholders with a poor credit score. The table below shows the average annual insurance cost for homeowners with different credit levels.

Credit score	Average annual cost
Excellent	$1,822
Fair	$2,951
Good	$2,229
Poor	$8,212

Read our methodology

How can you save on homeowners insurance in Huntsville?

If you’re looking to save on your homeowners insurance, the best way is comparing quotes from multiple insurers. Homeowners insurance companies offer a variety of different discounts to help you lower insurance costs. Here are a few common ones.

Home and auto bundle discount (multi-policy)

One of the easiest ways to get cheaper home insurance in Huntsville is the multi-policy discount, also known as bundling. If you purchase your home and auto insurance from the same company, you can save an average of $272 a year.

“It’s not always the better option, but more times than not it is because if you bundle usually, you get a 10-20% discount on both policies,” says Josiah Hatch, owner and CEO at Bender Hatch Insurance in Boston.

Loyalty discount

Staying with the same insurance company can earn you a loyalty discount, which could save you around $156 annually on your home insurance in Huntsville.

Security equipment discounts

Insurance companies offer discounts to homeowners for installing safety and security equipment, like a fire alarm or burglar alarm. If you install a fire alarm at your home, you can get a discount of $151 a year on average from your insurer.

New home discount

If you buy new construction, you can get a new home discount of $1,271 a year on average in Huntsville.

Methodology

Insurance.com compared homeowners insurance rates provided by Quadrant Information Services in 2023 for around 29,000 cities in all states and Washington D.C for $200,000 and $300,000 in dwelling coverage with $100,000 in liability and a $1,000 deductible. The rates were analyzed for almost 34,000 ZIP codes for those with good credit ratings. Content has been updated in 2024.