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Huntsville AL Home Insurance Rates

The most valuable tangible thing to everybody in this world is their home. No matter how big or small it is, you find yourself the most comfortable and at ease at your home. You may spend all your time hanging outside, but at the end of the day, this is the place you want to come back to. Hence, it is important to keep it protected so that it is always there to protect your back. Homeowners insurance plays a vital role in this regard. It keeps your house safe from all possible kinds of disasters. In case anything damages your house, you have enough resources to repair it.

Homeowners Insurance Premiums in Huntsville

We have gathered quotes from the top three insurance companies: State Farm, Liberty Mutual and Travelers. The details used to get these quotes were 1500 sq. ft. houses built in 2000 with two bathrooms and a value of $150,000. We assumed the roofs have been replaced in 2015. The quotes were gathered for 5 different zip codes to get the average rate.

The analysis shows that Travelers is the cheapest company with an average of $119.20 per month. The second cheapest company is Liberty Mutual with an average premium of $136.40 per month, while State Farm is the most expensive insurance company with an average of $176.36 per month.

The average insurance premium in Huntsville is $143.99, which is about 0.66% cheaper than the average insurance premium in Alabama at $144.95.

Zip CodesState FarmLiberty Mutual

TravelersZip Code Average
Company averages$176.36$136.40$119.20Huntsville Average Monthly Premium: $143.99
35801$170.33$121.00$108.00$133.11
35803$170.33

$133.00$114.00$139.11
35805$167.00$118.00$119.00$134.67
35810$171.33$121.00$130.00$140.78
35811$202.83$189.00$125.00$172.28

Huntsville

Huntsville is a part of Madison County and is situated in the Appalachian region of northern Alabama. It stretches to the west toward Limestone County and stretches to the south toward Morgan County. It was the first city to be an incorporated town in Alabama state. The population of the city totaled to 194,585 in 2017.

Climate

Huntsville has a humid subtropical climate. The summers are hot and humid, while the winters are pretty cold. The city’s average highest temperature in the summers is 32.2°C and in the winters is 9.4°C. The rainfall is maximum in winters and springs, while the summers are generally dry. August to October are the relatively drier months. The average rainfall around the year is 54” with December being the wettest month.

Other than this, the city also faces a lot of extreme weather and natural disasters like severe thunderstorms, floods, tornados, landslides and earthquakes. Moreover, in the city’s history, huge fires, civil disturbances, energy emergencies, and hazmat incidents have been recorded. Thus, it is highly advised to keep your home and investments secure by insuring them.

City Statistics

The total housing units in the city are 92,769, 57.9% of which are occupied by the owners themselves. The median value of a home is $169,900, which is quite higher as compared to the other cities of Alabama. The median income of a household is $51,926, but the crime rate in the city is 56.35 per 1000 residents, which is incredibly high. Thus, it is important to secure your investment in the city.

Other Alabama Cities:

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  • Tuscaloosa, AL Home Insurance Rates
  • Opelika, AL Homeowner Insurance Rates
  • Enterprise, AL Home Insurance Rates
  • Gadsden, AL Home Insurance Rates

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