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Home Insurance Costs with Deductible Scenarios in Birmingham, AL & Nearby Areas

Place Name/Near by place Typical Insured Amount ($) High Deductible($)
($2500)
Low Deductible($)
($500)
Birmingham, AL $121200 $742 $1,021
Center Point, AL $98200 $590 $812
Kimberly, AL $177300 $982 $1,351
West Jefferson, AL $91600 $672 $925
Minor, AL $81300 $623 $857
Dunnavant, AL $125400 $813 $1,119
Graysville, AL $82400 $628 $865
McDonald Chapel, AL $54600 $480 $660
Kimberly-Morris, AL $159000 $660 $908
Trussville, AL $235700 $701 $964

Impact of Coverage Amount on Home Insurance Cost In Birmingham, AL

Coverage Amount Home Insurance Cost ($)
$100,000 $763
$200,000 $2,540
$300,000 $3,417
$400,000 $4,103
$500,000 $5,252
$750,000 to $1000,000 $6,072
Above $1000,000 $7,180


Birmingham, AL Homeowners Insurance Rates Compared to State & National Average Rates

Average Home Insurance Cost($)
National Average $1224
Birmingham, AL Average Home Insurance Cost$1,033.23
State Average Home Insurance Cost$1,168
Difference Vs national Average-190.77

Top Homeowners Insurance Companies in Birmingham, AL

Insurance Provider Average Homeowners Insurance Cost($)
USAA $2,065
MetLife $1,605
Cincinnati Insurance $1,318
Farmers $604

Birmingham, AL Home Insurance Discounts For Different Number of Claims

Type Discount/Extra Cost in ($) Premium After Claim Payout ($)
Claim Free -145 889
One Claim +52 1085
Two Claims +145 1178