The city of Tuscaloosa is located in west central Alabama on the banks of Black Warrior River. It is an up-and-coming city in terms of business prospects, as all current businesses are thriving.
The overall weather conditions in the city are average with hot and long summers and short and cold winters. There is enough rain and clouds all year around. This part of the state is prone to tornadoes, floods and, less frequently, earthquakes. These natural disasters can cause a lot of destruction to property, which is why it is best for homeowners in Tuscaloosa to get home insurance as soon as they buy a home.
Tuscaloosa, AL Home Insurance Monthly Rates
The average monthly premium in the state of Alabama for home owners is $144.95 with the city average of Tuscaloosa being $138.08. Compared to the rest of the state, home insurance in Tuscaloosa is a bit cheaper.
The top three companies in the city are State Farm, Liberty Mutual
| Zip Codes | State Farm | Liberty Mutual | Travelers | Zip Code Average |
|---|---|---|---|---|
| 35401 | $163.58 | $132.00 | $128.00 | $141.19 |
| 35404 | $158.58 | $131.00 | $120.00 | $136.53 |
| 35405 | $169.00 | $121.00 | $118.00 | $136.00 |
| 35406 | $157.83 | $144.00 | $114.00 | $138.61 |
| Company averages | $162.25 | $132.00 | $120.00 | Tuscaloosa Average: $138.08 |
To get these numbers, we took the monthly premium rates from these companies for four different zip codes (35401, 35404, 35405, and 35406) and took their average. To get the quotes, we kept the same conditions, which were:
- 1500 sq. ft. house
- Built in 2000
- 2 full baths
- Estimated home value of $150,000
- Roof replaced in 2015
The results of the quotes and calculations have been stated above. Each zip code had the following average monthly premium:
- 35401 – $141.19
- 35404 – $136.53
- 35405 – $136
- 35406 – $138.62
As you can see, the zip code plays a huge part in the home insurance premium you would have to pay. This is because different areas have different conditions. For example, one location might experience a higher crime rate than the others, making it more prone to insurance claims.
City Statistics
There are some statistics that must be kept in mind when insurance is being taken into consideration, as they will play a role in the amount of home insurance premium you must pay.
The city has about 100,287 residents. It has 46,169 housing units with an average house value of $170,800 and average family income of $40,542. The crime rate in the city is 32% more than the Alabama average with 4,648 annual reported crimes. Keeping all these factors in mind and the zip code of the house, a company arrives at the amount of premium a person must pay for their home.
Home Insurance Tips
When looking for a company to insure your home, try to follow some of these tips:
- Get quotes from different companies.
- Research a little on the companies.
- Ask your friends and family about the company.
- Compare the pros and cons of different companies with each other.
- Check for different discounts that a company may offer.
Other Alabama Cities:
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 … Read more
Madison AL Home Insurance Rates
Your house stores all your belongings, be it the tangible ones or the intangible ones in the form of memories. Hence, you need to take protection measures so that your haven is not affected by any sort of criminal or natural threats. This protection means getting your home insured. Homeowners Insurance Premiums in Madison The … Read more
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 … Read more
Montgomery AL Home Insurance Rates
Homeowners insurance is a necessity in areas that are prone to natural disasters and have a high crime rate. Montgomery, Alabama is no exception as it is exposed to natural calamities like tornados and a lot of crime. Both the overall crime rates and property crime rates in the city far exceed the state and … Read more
Anniston, AL Home Insurance Rates
Homeowners insurance is a kind of property protection provided by different insurance companies. It covers losses that might arise due to any unexpected and unpredictable events and certain natural disasters. Home insurance seems essential for the residents of Anniston, Alabama due to its susceptibility to natural disasters and an alarming rate of criminal activities in … Read more
Prattville, AL Home Insurance Rates
It is not mandatory to get your home insured, but it is definitely a way of securing a place which is not only your shelter but also one you are extremely emotionally attached to. Insuring a home means you have protected it from every sort of threat. If you are living in Prattville, the insurance … Read more
Enterprise, AL Home Insurance Rates
Homeowners insurance is necessary for this date and age. If you are still paying mortgage on your house in Enterprise, AL, you are required to have insurance by your lender. A house is the most valuable asset anyone can own, so it is essential that we safeguard it against any unpredictable events such as robberies, … Read more
Gadsden, AL Home Insurance Rates
“There is no place like home.” This statement well describes the importance of home to everyone out there. Everyone dreams to have their own home as their protection and safety hub. Just like a home protects us in one way or the other, it needs safety and protection too. This is where homeowners insurance acts … Read more
Phenix, AL Home Insurance Rates
Homeowners insurance in Alabama has a lot of significance. It not only protects the house from all kinds of criminal and/or natural threats but is also vital for your mortgage. In Alabama, most banks and lenders grant loan only if the house being mortgaged is insured with an equivalent or higher amount as the loan. … Read more
Dothan, AL Home Insurance Rates
After conducting relevant research, we have collected data relevant to homeowners insurance in Dothan, Alabama. Dothan is a city located toward the southeast area of Alabama. It is situated in Alabama’s Wiregrass region. Our data looks at various aspects of the city itself and how they relate to homeowners insurance in the area. Weather Conditions … Read more
Decatur AL Home Insurance Rates
Decatur is a city located in the northern region of Alabama along the Tennessee River. We have conducted a study and collected information related to Decatur and homeowners insurance. Our data examines different statistics related to the city as well as their relation to homeowners insurance. Decatur Weather Conditions Decatur, Alabama happens to be a … Read more
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 … Read more
