Find Cheaper Homeowners Insurance

Florence AL Home Insurance Rates

Homeowners insurance is an investment that you make to protect your house and its belongings. It comes in two forms. The first form only protects the building, while the second form protects its belongings as well. Depending on your requirements, you can have any of these types, or you can customize your insurance package with features from both.

Homeowners Insurance Premiums in Florence

The average insurance premium in Florence is $134.47 per month. Comparing it to Alabama’s average insurance premium of $144.95 per month, Florence is around 7.23% cheaper.

On analyzing the insurance premium charged by different companies in Florence, we came to a conclusion that Travelers is the cheapest company with an average of $112. The second cheapest company is Liberty Mutual with an average premium of $127, while State Farm is the most expensive with an average of $164.41.

To compare the insurance premiums of these companies, we got quotes from them for 1500 sq. ft. houses built in 2000 that have two bathrooms and whose roofs have been assumed to be replaced in 2015. These houses have an estimated value of $150,000. For Florence, we got quote for only one zip code as the city is very small.

Zip CodeState FarmLiberty MutualTravelersFlorence Average Monthly Premium


Located on Wilson Lake and Pickwick Lake is the city of Florence, Alabama. It is situated in Lauderdale County and is in the northwest corner of Alabama. As per the 2017 census, the city’s population is 39,852.

Florence is the main and largest city of the Florence-Muscle Shoals Metropolitan Statistical Area. The total area that Florence covers is 26.3 square miles, 26.09 square miles of which is land and 0.21 square miles is water.


In Florence, the summers are generally hot and long, while the winters are short and very cold. Throughout the year, the temperature hardly goes below 19°F or above 97°F and usually stays between 33°F and 90°F. On average, 58” of rain and 2” of snow fall in a year.

Natural disasters include thunderstorms, winds, tornados, floods, droughts, and heavy snow. These can have a dreadful impact on your home in one way or the other. Thus, to save yourself from the stress and worry of your home getting destroyed, you should have homeowners insurance.

City Statistics

The city has a total of 20,206 housing units. 54.4% of the houses are occupied by the owners. The median value of a home is $126,600, while the median income of a household is $37,843. 42.51 people for every 1000 residents are victims of property crimes, which is relatively high and can be dangerous.

In a city with such a high crime rate, you need to take steps to protect yourself and your properties. Homeowners insurance offers you certain protection for your home. In case your house faces any criminal activity or disaster, homeowners insurance enables you to rebuild your home without worrying about the cost.

Other Alabama Cities:

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