Find Affordable Homeowners Insurance

Birmingham, AL Home Insurance Rates

Homeowners insurance is absolutely vital in today’s world due to the unpredictable nature of the world’s events and climate. It becomes especially necessary in areas which have a high rate of crime or are in danger of frequent natural disasters. Homeowners insurance is vital in a city like Birmingham, Alabama which meets both criteria.

Birmingham Alabama

The city is situated in the north central part of Alabama. It consists of a population of 210,710. It is an important regional hub and is associated with the Appalachian, Piedmont and Deep South regions of the country.

Birmingham is geographically situated in the Jones Valley. It is surrounded by mountain of the Appalachian range. The valley is drained through smaller creeks, which meet the Black Warrior River. The Red Mountain is situated to the south of the city. Sand Mountain lies at the north side of the city, which divides the city from the rougher northern parts. Ruffner Mountain lies on the eastern side of the city and houses the Ruffner nature reserve which is one of the biggest nature reserves in the United States.

Climate in Birmingham

The city’s climate is humid and subtropical. It has hot summers, mild winters and a large amount of rainfall. In 1993, the city faced a storm that is referred to as the Storm of the Century. 10.3 inches of heavy snowfall was recorded during this storm, which wreaked havoc around the city.

The spring and fall season are usually pleasant. Cold fronts, however, give rise to extreme thunderstorms and tornadoes in the region, which can cause a lot of damage to property.

The city is situated in the heart of Dixie Alley, which is also referred to as Tornado Alley because of the frequent formation of tornadoes. Two F5 tornadoes wreaked havoc in Birmingham in 1977 and 1998. It was also hit by an EF4 tornado in 2011.

It is situated near the Central Gulf Coast and as a result, it experiences tropical storms and hurricanes. It has also experienced various earthquakes that have done incredible damage. All of these weather conditions make a homeowners insurance essential for any resident or property holder.

Birmingham, AL Home Insurance Monthly Premiums

The average monthly premium for homeowners insurance in Birmingham city is $139.40. Compare it to the monthly average for Alabama state (which is $144.95), home insurance premiums in this city are cheap.

When you look at the different insurance companies in Birmingham, the cheapest in terms of home insurance is Travelers. Its monthly home insurance premium is $108.8, which is even less than the city’s average. Other leading companies that provide home insurance in the city are State Farm (whose home insurance premium average is $178.21) and Liberty Mutual (whose average home insurance premium is $131.20).

Zip CodesState FarmLiberty MutualTravelersZip Code Average
Company averages$178.21$131.20$108.80Birmingham Average: $139.40
35215$205.41$129.00$117.00$150.47
35216
$167.50$124.00$113.00$134.83
35226$169.41$129.00$104.00$134.14
35242$172.91$141.00$104.00$139.30
35244$175.83$133.00$106.00$138.28

To draw a comparison of home insurance rates, we got quotes for a 1500 sq. ft. house built in 2000 that has two full bathrooms. The value for this house was estimated to be $150,000, and we assumed that the roof had been replaced in 2015. We used the same details to get quotes from all companies. We also looked at 5 different zip codes to see the difference in premiums between different areas and used these quotes to find out the average for every company.

Birmingham Statistics

The city consists of 90,149 households. The average value of a house is $87,100. The average household income of the city is $32,404.

The crime rate in the city is 112% higher than the national average. For every 100,000 people, 15.98 crimes occur daily. An estimated 4,953 property crimes occur annually for every 100,000 people in the city. This is less than the state average which is 2,957, and the national average which is 2,362. Hence, homeowners insurance is a great investment for residents and property holders in Birmingham city.

Other Alabama Cities:

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