Top 5 Home Insurance Companies in Shelby County, AL
Check out the most popular Home Insurance agencies & companies in Shelby County, AL & compare the best quotes from them.
Cheapest Home Insurance In Shelby County, AL - 4 Tips To Save Money
Shelby County, AL, is no stranger to severe weather. From destructive tornadoes to damaging hailstorms, severe weather can cause significant damage to homes. That's why homeowner's insurance is so important. Homeowner's insurance can help protect your home and your belongings from damage caused by severe weather and provide liability coverage if someone is injured on your property. While Shelby County does have a strong building code, severe weather can still cause significant damage to homes. Homeowner's insurance can help cover the cost of repairs or even replacement if your home is severely damaged or destroyed. Homeowner's insurance can also help cover the cost of temporary housing if your home is uninhabitable due to damage. In addition to severe weather, homeowner's insurance can also help protect you from other risks, such as theft, fire, and even some types of water damage. No one wants to think about their home being damaged or destroyed, but it's important to have protection in place just in case. If you're a Shelby County homeowner, be sure to talk to your insurance agent about your coverage options.
The average cost of home insurance in Shelby County, Alabama, is $1302.3. Homeowner's insurance policies can be customized to meet the demands and financial capabilities of the policyholders. The cost of insurance is affected by a number of variables, including the kind of coverage, the deductible, the age of the home, safety features, the neighborhood where you live, the weather, and many more. Therefore, before buying home insurance in Shelby County, Alabama, homeowners must do thorough research on the costs and advantages offered by the providers. The following list includes the top affordable homeowners insurance providers in Shelby County, Alabama.
Tips To Save Money on Home Insurance in Shelby County, AL
1. Homeowners insurance rates by coverage levels
2. Homeowners insurance rates by deductibles
3. Homeowners insurance rates by the age of the home
4. Homeowners insurance rates by the safety features
1.Homeowners Insurance Rates by Coverage Level
You can expect to pay more for your insurance if you have a high coverage level. This is because a high coverage level means your insurance company will have to pay more if you make a claim. As a result, they will charge you a higher premium to offset this risk. On the other hand, if you have a low coverage level, you can expect to pay less for your insurance. This is because a low coverage level means your insurance company will have to pay less if you make a claim. As a result, they will charge you a lower premium to offset this risk. The coverage level you choose should be based on your needs and budget. If you can afford to pay a higher premium, you should purchase a higher coverage. However, you may need to purchase a lower coverage level if you are on a tight budget. For example, the cost of home insurance in Shelby County, Alabama, is $757 if you choose coverage of $100K for your house. In contrast, if you select coverage of 400k, you must pay $3261. Regardless of your coverage level, you can save money on your homeowner's insurance by comparing shopping and taking advantage of discounts. Some insurers offer discounts like installing security systems or having a good credit score. By shopping around and taking advantage of discounts, you can find a policy that meets your needs and budget.
Here is a chart representing the coverage level and the applicable home insurance rates in Shelby County, AL
2.Homeowners Insurance Rates by Deductibles
Homeowners insurance cost in Shelby County, AL, is affected by many factors, but one of the most important is the deductible. The deductible is the amount of money the homeowner is responsible for before the insurance company pays any benefits. The higher the deductible, the lower the monthly premium, but the greater the financial risk to the homeowner if a claim is filed. There are many different ways to choose a deductible, and the best way depends on the homeowner’s circumstances. Some people choose a high deductible to keep their monthly payments low, while others prefer a lower deductible to reduce out-of-pocket costs if they have to file a claim. Homeowners must carefully choose their deductible amount while considering their financial situation. For example, homeowners in Shelby County, Alabama, choose a $1500 deductible to pay $1095 for their home insurance. In Shelby County, Alabama, homeowners who selected a $500 deductible pay $1286 for their homeowner's insurance. As a result, in Shelby County, Alabama, homeowners insurance costs decrease as the deductible increases.
3.Homeowners Insurance Rates by the Age of the Home
As the age of a home increases, so does the average cost of homeowners insurance in Shelby County, AL. This is due to a number of factors, including the type of construction materials used, the home’s location, and the age of the home’s electrical and plumbing systems. Older homes are more likely to be constructed of materials that are not as fire-resistant as those used in newer construction. This, combined with the fact that older homes are more likely to have outdated electrical and plumbing systems, makes them at a greater risk for fires and water damage. As a result, insurance companies charge higher premiums for homeowners insurance on older homes. For example, in Shelby County, Alabama, homes that are 40 years old pay a premium of $1336, while newly constructed homes pay a premium of $950. The age of the house is just one factor that influences the cost of homeowners insurance in Shelby County, AL. Other factors, such as the home's value, the type of coverage, and the deductible, also play a role in determining the premium.
4.Homeowners Insurance Rates by the Safety Features
Homeowners insurance rates in Shelby County, AL, are affected by the number and types of safety features in the home. Homes with more and better safety features tend to have lower insurance rates. There are a variety of safety features that can lower homeowners insurance rates. Safety features like burglar alarms, fire alarms, smoke detectors, sprinklers, and deadbolts also help to lower rates. Homes with these safety features are less likely to be burglarized or catch fire, so insurance companies see them as a lower risk. In turn, they charge lower rates for homeowners insurance. So if you're looking to save money on your homeowner's insurance, ensure your home has as many safety features as possible. It could save you a lot of money in the long run. For example, homes equipped with fire extinguishers pay $1198 on home insurance in Shelby County, AL.
Top Home Insurance Companies in Shelby County, 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% |
| GEICO | A++ | 3.95% |
Top Allstate Home Insurance Agents in Shelby County, AL
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Renee Bluford | 5330 Stadium Trace Pkwy Ste 255 35244 |
(205) 982-8497 | |
| David Petri | 524 N Broadway Ave 35150 |
(256) 245-4336 | |
| Perry Kurz | 2236 Cahaba Valley Dr Ste 207 35242 |
(205) 701-4924 | |
| Edward Roach Jr | 48 Chesser Crane Rd Ste F 35043 |
(205) 678-2660 | |
| Mark S Silverstone | 101 Mildred St 35051-9331 |
(205) 669-7333 | |
| Reidsville Ins Ctr | 1957 Hoover Ct Ste 105 35226 |
(205) 492-9878 | |
| Lauro Gutierrez Jr. | 3144 CAHABA HEIGHTS RD 35243 |
205-967-8800 | |
| Reid Nix | 19941 Highway 11 Apt D 35188 |
(205) 938-1954 | |
| Jan Vajda | 107 MAIN ST N 35051 |
205-669-3158 | |
| Evelyn Guzman | 2870 Old Rocky Ridge Rd Ste 140 35243 |
(205) 824-4714 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Matt Haak | 417 4th Ave N www.teamhaak.com 35020-6230 |
(205) 426-4441 | |
| Lee English Jr | 6 OFFICE PARK CIR STE 308 www.leeenglishinsurance.com 35223 |
205-795-1221 | |
| Bill Flanigan | 3333 Helena Rd www.billflanigan.com 35080-3243 |
205-664-4404 | |
| Perry Unwalla | 4256 Cahaba Heights Ct www.perryunwalla.com 35243 |
(205) 490-6000 | |
| John Monteiro | ONE INDEPENDENCE PLAZA STE 706 www.insurewithjohnwv.com 35209 |
205-870-5984 | |
| Jan Stomel | 8135 PARKWAY DR www.janstomel.com 35094 |
205-699-1644 | |
| Analene Waterman | 512 Montgomery Hwy www.analenewaterman.com 35216-1843 |
205-870-1827 | |
| Danny Wakefield | 3606 South 6th Avenue 35222-2443 |
205-595-2166 | |
| David Jones Ii | 222 Broadway Avenue North 35150-2526 |
256-249-3984 | |
| Bob Mcmillan | 2685 Pelham Pkwy Ste F 35124-1354 |
205-663-3119 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Mid South Insurance Agency Of Baton Rouge Inc | 22 Inverness Center Pkwy Ste 310 35242 |
(205) 252-0100 | |
| Perry Hunter Hall Inc | 32445 Us Highway 280 35044 |
(256) 369-1800 | |
| Gp Insurance Agency Inc | 265 Riverchase Pkwy E Ste 105 35244 |
(205) 987-2324 | |
| Kasoff Insurance And Financial Services | 5245 OLD SPRINGVILLE RD STE 101 www.kasoffinsurance.com 35126 |
205-853-8303 Email:SCOTT@KASOFFINSURANCE.COM |
|
| John Milton Nguyen | 107 COLUMBIANA RD 35209 |
205-942-4448 | |
| Reynolds Insurance Agency Inc | 9330 Highway 119 Ste 300 35007 |
(205) 664-1944 Email:reyins1@gtbizclass.com |
|
| Ford Insurance | 106 Court Sq S www.fordinsfl.com 35160 |
(256) 362-3548 | |
| Arizona Economy Ins | 105 Park Rd 35127-1820 |
205-744-0670 | |
| Lemon Insurance Agency | 1837 MONTGOMERY HIGHWAY SOUTH SUITE 105 35244 |
205-451-1945 | |
| John Michael Fouche | 221 OXMOOR BOULEVARD 35209 |
205-942-6655 Email:michaelfoucheinsurance@yahoo.com |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| The Rey Insurance Agency Inc | 210 North St W www.reyinsurance.com 35160 |
Email:laura@reyinsurance.com |
|
| Albertson Lawrence Agency Inc. | 2001 Skyland Blvd E Ste C5 35405-1545 |
205-764-0038 | |
| Jones Insurance Service | 408 SECOND AVE E 35121 |
205-625-4629 Email:bjones@jonesinsuranceservice.com |
|
| 1st Light Insurance Services Llc | 5479 Highway 280 Ste 120 35242-2302 |
205-582-2030 | |
| Absten Insurance Agency Inc. | 2110 Bessemer Rd www.absteninsurance.com 35208-3408 |
205-780-2955 | |
| Carlson Insurance Group Llc | 2344 Valleydale Rd Ste B 35244-2074 |
205-988-3308 | |
| Sullivan Insurance Agency Inc. | 410 Hillabee Street Alexander\u00a0City\u00a0 35010 |
(256) 270-2703 | |
| Reynolds Insurance Agency Inc | 126 1st Ave W Ste B 35007 |
(205) 358-8035 | |
| Reilly Insurance Llc | 1305 4th Ave S www.reillyinsurancellc.com 35233 |
(205) 714-7300 | |
| Parson Insurance Agency Inc. | 140 YEAGER PARKWAY www.parsoninsurance.com 35124 |
(205) 663-4196 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Perry Hudson | 1213 N Main Ave 35150 |
(256) 207-4448 Email:phudson@geico.com |
|
| Matt Hauser | 3659 Lorna Rd Suite 109 35216-5958 |
(205) 988-8899 Email:mahauser@geico.com |
| Allstate | State Farm | Erie | |
| Median Home Value ($) | 179,550 | 199,550 | 209,550 |
| Construction year | 1996 | 2003 | 1988 |
| Home Coverage ($) | $125000-$150000 | $250000-$300000 | $200000-$250000 |
| Total Premium ($) | $991 | $721 | $810 |
Shelby County, AL Multi Policy Discounts by Home Insurance Companies
| Home Insurance Company | Multi Policy Discount (%) |
|---|---|
| Allstate | upto 19% |
| Travelers | upto 8% |
| Erie | upto 22% |
| GEICO | upto 15% |