Top 5 Home Insurance Companies in Alabaster, AL
Check out the most popular Home Insurance agencies & companies in Alabaster, AL & compare the best quotes from them.
Cost of Home Insurance in Alabaster, AL
The average cost of home insurance in Alabaster, AL, is $1196.1. Alabaster, AL, is a beautiful city located in central Alabama. The city is home to a variety of businesses and cultural attractions. Alabaster is also a great place to live if you are looking for a safe and affordable place to call home. One of the best things about living in Alabaster is that the city offers a variety of homeowners insurance options. Several different homeowners insurance companies operate in Alabaster, so you will have plenty of options to choose from. You can get a policy that covers your home for a set amount of money or a policy that covers your home for a set amount of time.
When you are shopping for homeowners insurance in Alabaster, it is important to compare rates from a variety of different companies. You can do this easily by going online and requesting quotes from various insurers. It is also a good idea to read reviews of different homeowners insurance companies before you make your final decision. This way, you can be sure that you are getting the best possible deal on your policy. Refer this article for more information on the variables influencing the house insurance rates of Alabaster, Alabama.
Below are a few affordable home insurance providers in Alabaster, AL.
Factors Influencing Home Insurance in Alabaster, AL:
1. Homeowners insurance rates by coverage levels
2. Homeowners insurance rates by deductibles
3. Homeowners insurance rates by materials used
4. Homeowners insurance rates by the number of claims
Homeowners Insurance in Alabaster - Rates by Coverage Levels
If you choose a lower coverage level, you will have a lower premium, but you will also be at risk of having to pay more out of pocket if you have a claim. A higher coverage level will cost more each month but will give you more protection. The best way to decide what coverage levels are right for you is to talk to your agent and figure out what your risks are and how much coverage you need to protect yourself financially. Alabaster homeowners typically opt for coverage of $200K, paying $1879 towards their home insurance.
Here are a few coverage options offered by the insurance providers in Alabaster, AL.
Homeowners Insurance in Alabaster- Rates by Deductibles
The higher the deductible, the lower the premium. This is because the insurance company will have to pay out less money if you make a claim. Of course, you should always choose a deductible you can afford to pay if you have to make a claim. If you choose a deductible that is too high, you may not be able to afford to pay it if you do have an accident. For example, homeowners in Vermilion County who choose a high deductible of $2500 pay $859, while those who choose a low deductible of $500 pay $1182 for home insurance.
Homeowners Insurance in Alabaster- Rates by Materials used
When it comes to homeowners insurance rates, the type of material your home is made of can have a big impact. Homes made of brick or stone are typically less expensive to insure than those made of wood frames, for example. That's because brick and stone homes are more resistant to wind and fire damage and therefore present a lower risk to insurers. For instance, homeowners who use Masonry and Superior brick products to construct their homes in Alabaster, AL, spend $1136 and $1088 in insurance, respectively.
Homeowners Insurance in Alabaster- Rates by Number of Claims
Your rates will likely go up if you have filed multiple claims on your homeowners insurance policy. Insurance companies view customers who have filed multiple claims as higher risks. Insurance companies want to minimize their losses, so they charge higher rates to customers who are more likely to file claims. If you have filed multiple claims, you may want to consider shopping around for a new insurance company. Policyholders in Alabaster, Alabama, can purchase insurance for as little as $1029. Homeowner's insurance costs between $1280 and $1340 more for policyholders with one or two claims.
Top Home Insurance Companies in Alabaster, AL
| Home Insurance Company | A.M. Best Financial Strength Rating | Homeowners Insurance Market share |
|---|---|---|
| State Farm | A | 28.18% |
| Erie | A+ | 12% |
| Allstate | A+ | 11.8% |
| Travelers | A++ | 4.19% |
| Liberty Mutual | A | 3.53% |
Top Allstate Home Insurance Agents in Alabaster, AL
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| John Moore | 2200 WOODCREST PL STE 250 35209 |
205-877-4500 | |
| Matt Houston | 5850 Valley Rd STE 170 35235-8683 |
(205) 836-4466 | |
| Diane Beech | 3000 Meadow Lake Dr Ste 104 35242 |
(205) 991-2800 | |
| Kevin Kaleel | 521 FIRST STREET NORTH 35007 |
205-663-2905 | |
| Reid Mathis | 2710b Skyland Blvd E 35405 |
(205) 556-5175 | |
| Keith Westbury | 2211 7TH AVE S 35233 |
205-252-9871 | |
| Mark S Freemyer | 34898 US Hwy 280 35150 |
(256) 378-0062 | |
| Trudy Fegel | 420 Lorna Square 35216 |
||
| Kristi Wakamatsu | 285 CALUMET PKWY STE B 35173 |
205-841-4444 | |
| Carlos Sanchez | 8121 Us Highway 11 35146-6109 |
205-467-6327 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| John Michael Fouche | 221 OXMOOR BOULEVARD 35209 |
205-942-6655 Email:michaelfoucheinsurance@yahoo.com |
|
| Kasky Insurance & Financial Services Inc | 313 LOUISA ST 35180 |
205-647-6060 Email:agency@kaskyinsurance.com |
|
| Reynolds Insurance Agency Inc | 9330 Highway 119 Ste 300 35007 |
(205) 664-1944 Email:reyins1@gtbizclass.com |
|
| Kasmann Ins Agency Inc | 9025 4TH AVE S 35206 |
205-833-1278 | |
| Ea-Witherington Insurance Group | 17 Office Park Cir Ste 3 35223 |
(205) 870-7117 | |
| Bancy Murage | 3651 Watermelon Rd 35473-5139 |
205-752-2547 | |
| Specialty Insurance Shop Inc | 33385 Us Hwy 280 www.specialtyinsuranceaz.com 35044 |
Email:INFO@SPECIALISTINSURANCEAZ.COM |
|
| Bobby Insurance Agency Inc | 160 Inverness Cors www.bobbyinsurance agency.com 35242-3760 |
205-980-8889 Email:bobbyinsco@hotmail.com |
|
| Kasprzak Insurance Associates | 300 UNION HILL DR STE 300 35209 |
205-956-4500 | |
| American Heritage Insurance Group Llc | 3152 Heights Vlg 35243-5221 |
205-967-7365 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Matt Hein | 4908 Cahaba River Rd Ste 108 35243 |
(205) 991-7802 | |
| Joan M Guillette Lutcf | 1700 4TH AVE 35501 |
205-221-3621 | |
| David Welch | 2100 Data Park Ste 208 35244 |
(205) 988-5566 | |
| Renee M. Knox | 1463 S Main St 35073 |
(205) 690-8423 | |
| Donald Swift | 4761 Letson Farms Ste 109c 35111 |
(205) 477-7785 | |
| Kristi Simila | 7129 GADSDEN HWY STE 207 35173 |
205-655-4600 | |
| Anil Mangru | 149 Buck Creek Plz Ste F 35007-7013 |
205-663-6310 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Albertson Lawrence Agency Inc. | 2001 Skyland Blvd E Ste C5 35405-1545 |
205-764-0038 | |
| 1st Light Insurance Services Llc | 5479 Highway 280 Ste 120 35242-2302 |
205-582-2030 | |
| The Rey Insurance Agency Inc | 210 North St W www.reyinsurance.com 35160 |
Email:laura@reyinsurance.com |
|
| Parson Insurance Agency Inc. | 140 YEAGER PARKWAY www.parsoninsurance.com 35124 |
(205) 663-4196 | |
| Absten Insurance Agency Inc. | 2110 Bessemer Rd www.absteninsurance.com 35208-3408 |
205-780-2955 | |
| Reynolds Insurance Agency Inc | 126 1st Ave W Ste B 35007 |
(205) 358-8035 | |
| Carlson Insurance Group Llc | 2344 Valleydale Rd Ste B 35244-2074 |
205-988-3308 | |
| Reilly Insurance Llc | 1305 4th Ave S www.reillyinsurancellc.com 35233 |
(205) 714-7300 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Debbie Dell | 100 N Main St Ste 3 www.debbiedell.com 35051 |
(205) 610-8070 | |
| Earl Jordan | 6421 S Chalkville Rd www.earljordan.com 35173 |
(205) 655-5820 | |
| Jim Walters | 1120 QUEEN CITY AVENUE 35401 |
205-758-4441 | |
| John Mollere | 1945 HOOVER COURT STE 113 www.johnmollere.com 35226 |
205-822-6778 | |
| Don Jaramillo | 3979 Parkwood Rd Ste 105 www.doninsurescolorado.com 35022 |
(205) 565-0313 | |
| Bill Farris | 2921 Cahaba Rd www.billfarrisagency.com 35223-1901 |
205-803-1023 | |
| Jan Steimel | 18751 HWY 145 www.jansteimel.com 35143 |
205-669-6221 | |
| Duvel Pierre | 5451 Chalkville Rd 35235 |
(205) 856-9022 | |
| Perry Unwalla | 4256 Cahaba Heights Ct www.perryunwalla.com 35243 |
(205) 490-6000 | |
| Mike Eckman | 1114 W Fort Williams St www.mikeeckmaninsurance.com 35150 |
(256) 245-6540 |
| Liberty Mutual | Travelers | State Farm | |
| Median Home Value ($) | 171,020 | 161,020 | 181,020 |
| Construction year | 2005 | 1981 | 1997 |
| Home Coverage ($) | $125000-$150000 | $175000-$200000 | $150000-$175000 |
| Total Premium ($) | $1008 | $1238 | $1199 |
Alabaster, AL Multi Policy Discounts by Home Insurance Companies
| Home Insurance Company | Multi Policy Discount (%) |
|---|---|
| Allstate | upto 16% |
| Travelers | upto 9% |
| Liberty Mutual | upto 18% |
| Erie | upto 24% |