Top 5 Home Insurance Companies in Vestavia Hills, AL
Check out the most popular Home Insurance agencies & companies in Vestavia Hills, AL & compare the best quotes from them.
Average Cost of Homeowners Insurance in Vestavia Hills, AL
Homeowners insurance is essential to protecting your property and financial security in Vestavia Hills, AL. Homeowners insurance provides coverage for damage to your home, personal belongings, and in some cases, liability for injuries on your property. Having adequate homeowners insurance can also provide financial protection from natural disasters like fires, tornadoes, and floods.
In Vestavia Hills, Alabama, homeowners insurance typically costs $1281. Home insurance is available from several insurance providers at competitive rates. So, before taking any action, homeowners in Vestavia Hills, Alabama, should evaluate the costs and coverage offered by several home insurance companies.
Factors affecting home insurance in Vestavia Hills, AL:
1. Home insurance rates by coverage levels
2. Home insurance rates by deductibles
3. Home insurance rates by materials used
4. Home insurance rates by the number of claims
Vestavia Hills, AL, Homeowners Insurance Costs by Coverage Level
Your choice of coverage level will significantly impact how much your homeowners insurance will cost. Your premium will go up as your coverage level does. However, it's crucial to keep in mind that the amount of coverage you choose should be determined by the worth of your house and your personal items. If you own a lot of pricey objects, you'll need a higher level of coverage to guarantee their complete protection. For instance, homeowners in Vestavia Hills, Alabama, who choose $100K in coverage pay $285 for their home insurance.
Rates for Home Insurance in Vestavia Hills, AL, by Deductibles
One of the numerous variables that affect the cost of your homeowner's insurance is the deductible. Your rates will be lower the higher your deductible is. This is because you are taking on more of the risk yourself, which will result in the insurance provider making fewer payments in case of a claim. Of course, selecting a high deductible requires caution. You should only select insurance with a high deductible if you can pay your deductible. If you file a claim, you'll probably have to pay more out of cash, and if you can't afford your deductible, you might run into financial difficulties. For instance, Vestavia Hills, AL residents who select a $1,500 deductible pay $1270 for their home insurance. As a result, the higher your deductible, the lower your monthly premium will be. In Vestavia Hills, AL residents who select a $500 deductible for their house insurance shell out $1491.
Homeowners Insurance in Vestavia Hills, AL- Rates by Materials Used
Your homeowner's insurance rates in Vestavia Hills, Alabama, may be impacted by the building materials used to create your home. Homes made of brick are often priced lower than homes made of wood, for instance. Brick is a more resilient material that is less likely to sustain damage in a fire or other disaster, which explains why. Let's say you're thinking about renovating or building a new house. In that scenario, it is essential to consider how the materials you choose will affect your homeowner's insurance cost. For instance, in Vestavia Hills, Alabama, residents with hail- and fire-resistant roofs pay $1255 and $1127 in homeowner insurance, respectively.
Vestavia Hills, AL, Homeowners Insurance Rates Based on the Number of Claims
Homeowners with no claims on their records are typically offered the lowest rates. This is because insurance companies see them as being reliable and less likely to experience a major incident that would require a claim. Those with one or two claims may still receive competitive rates, depending on the nature of the claim and the amount of coverage requested. On the other hand, homeowners who have made multiple claims may receive higher rates. This is because insurance companies view them as being riskier and more likely to experience another incident. Homeowners who have filed more than three claims may even be denied coverage altogether by some companies. For instance, in Vestavia Hills, Alabama, policyholders can get coverage for as little as $1127. Homeowner insurance costs roughly $1396 to $1435 more per year for policyholders with one or two claims.
Top Home Insurance Companies in Vestavia Hills, 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 State Farm Home Insurance Agents in Vestavia Hills, AL
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| John Mcquade | 109 SECOND AVENUE SE 35056 |
256-734-3901 | |
| Darin Tsukashima | 609 Main Street www.darintsukashima.com 35115-4036 |
205-665-7190 | |
| Matt Harrington | 3021 Lorna Road Suite 111 www.mattharringtonagent.com 35216 |
(205) 979-4331 | |
| Jim Webb | 22680 BUCKSVILLE ROAD 35111 |
205-477-1711 | |
| Jan Mcdaniel | 106 N BROADWAY 35150 |
256-249-0302 | |
| Alexis Ducorbier | 1500 Southlake Park Ste 100 www.specialagentalexis.com 35244-3369 |
205-987-9099 | |
| David Peterson | 1811 Skyland Blvd E www.davidpeterson.biz 35405 |
(205) 556-3550 | |
| Bryan Doerner | 3929 Veterans Memorial Dr www.teambryansf.com 35005-2261 |
205-674-5366 | |
| Chris Bamgboye | 719b Battle St E www.sfagentchris.com 35160-2546 |
256-362-4930 | |
| Dan Friel | 3103 Independence Drive www.frielinsurance.com 35209-4111 |
205-879-1988 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Hall & Marose Agcy Inc | 2532 Decatur Hwy www.hall-marose.com 35071 |
(205) 631-7258 | |
| Murphys Insurance Agency | 1 METROPLEX DR STE 400 35209 |
(205) 870-7790 | |
| Bluesky Insurance Agency Inc | 326 Main St www.lovemybluesky.com 35173-1425 |
205-655-2146 | |
| Lemon Insurance Agency | 1837 MONTGOMERY HIGHWAY SOUTH SUITE 105 35244 |
205-451-1945 | |
| Paragon Insurance Partners | 2229 ROCKY RIDGE RD 35216 |
205-823-2300 | |
| Ea-Witherington Insurance Group | 17 Office Park Cir Ste 3 35223 |
(205) 870-7117 | |
| Mt Vernon Insurance Agncy | 5245 OLD SPRINGVILLE RD 35126 |
(205) 853-8303 | |
| Amp Insurance | 3122 Green Valley Rd 35243-5236 |
205-967-2223 | |
| John Moore Ins Agcy Inc | 300 UNION HILL DR STE 300 www.johnmooreagency.com 35209 |
205-956-4500 Email:mooreins@bellsouth.com |
|
| Kasmann Ins Agency Inc | 9025 4TH AVE S 35206 |
205-833-1278 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Parson Insurance Agency Inc. | 140 YEAGER PARKWAY www.parsoninsurance.com 35124 |
(205) 663-4196 | |
| Albertson Lawrence Agency Inc. | 2001 Skyland Blvd E Ste C5 35405-1545 |
205-764-0038 | |
| The Rey Insurance Agency Inc | 210 North St W www.reyinsurance.com 35160 |
Email:laura@reyinsurance.com |
|
| Reilly Insurance Llc | 1305 4th Ave S www.reillyinsurancellc.com 35233 |
(205) 714-7300 | |
| 1st Light Insurance Services Llc | 5479 Highway 280 Ste 120 35242-2302 |
205-582-2030 | |
| Jones Insurance Service | 408 SECOND AVE E 35121 |
205-625-4629 Email:bjones@jonesinsuranceservice.com |
|
| Reynolds Insurance Agency Inc | 126 1st Ave W Ste B 35007 |
(205) 358-8035 | |
| Pda Insurance Llc | 1112 2nd Ave SW Apt A 35055 |
(256) 775-3607 | |
| Carlson Insurance Group Llc | 2344 Valleydale Rd Ste B 35244-2074 |
205-988-3308 | |
| Absten Insurance Agency Inc. | 2110 Bessemer Rd www.absteninsurance.com 35208-3408 |
205-780-2955 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Lauster Adkins | TWO METROPLEX DR STE 107 35205 |
800-927-0583 | |
| David Guerrero | 4851 Cahaba River Road 35243-2359 |
205-967-6886 | |
| Lemon Ins Agency | BLDG 200 CHASE PARK S STE 200 35244 |
205-988-5099 | |
| Trudy Fegel | 420 Lorna Square 35216 |
||
| Cathy Golson | 1607 Decatur Hwy 35071-2302 |
205-631-5629 | |
| Perry Insurance | 22708b Highway 25 35051 |
(205) 669-1599 | |
| Reid Nix | 19941 Highway 11 Apt D 35188 |
(205) 938-1954 | |
| Steven Vitiello | 700 Maple St #B 35210 |
||
| Bisbee Ins Center | 1425 4th St SW 35055-3940 |
256-734-9224 | |
| Amanda Guardado | 1010 N Broadway Ave 35150-2162 |
256-245-6061 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Joan M Guillette Lutcf | 1700 4TH AVE 35501 |
205-221-3621 | |
| Donald Swift | 4761 Letson Farms Ste 109c 35111 |
(205) 477-7785 | |
| Anil Mangru | 149 Buck Creek Plz Ste F 35007-7013 |
205-663-6310 | |
| David Welch | 2100 Data Park Ste 208 35244 |
(205) 988-5566 | |
| Kristi Simila | 7129 GADSDEN HWY STE 207 35173 |
205-655-4600 | |
| Matt Hein | 4908 Cahaba River Rd Ste 108 35243 |
(205) 991-7802 | |
| Renee M. Knox | 1463 S Main St 35073 |
(205) 690-8423 |
| Travelers | Allstate | Erie | |
| Median Home Value ($) | 384,720 | 394,720 | 354,720 |
| Construction year | 1974 | 1977 | 1986 |
| Home Coverage ($) | More than 10000000 | $900000-$1000000 | More than 10000000 |
| Total Premium ($) | $3096 | $3898 | $4180 |
Vestavia Hills, AL Multi Policy Discounts by Home Insurance Companies
| Home Insurance Company | Multi Policy Discount (%) |
|---|---|
| Travelers | upto 7% |
| Erie | upto 18% |
| Allstate | upto 21% |
| Liberty Mutual | upto 16% |