How Can I Make My Birmingham, AL Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Birmingham, AL covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
Compare Quotes from Top Providers and Save now!
Select the Suitable Coverage Value for your Birmingham, AL Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $44,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $114,500 | $100,000 | $125,000-$150,000 |
| 3 Bedroom | $88,500 | $70,000 | $75,000-$100,000 |
| 4 Bedroom | $206,000 | $170,000 | $200,000-$250,000 |
| 5 Bedroom | $182,500 | $160,000 | $150,000-$175,000 |
Estimate your Savings with Home Insurance Discounts in Birmingham, AL | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$186 | $847 |
| Superior Protection Discount | -$103 | $930 |
| Fire & Security Discount | -$103 | $930 |
| Hail Resistant Roof Discount | -$31 | $1,002 |
| Newly Constructed Home Discount | -$248 | $785 |
Choose the Right Deductible for your Birmingham, AL Home | Back to Top
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Jefferson County | $1,500 | $1,148 | $2,648 | $834 | $2,334 | $314 |
| Birmingham, AL | $2,000 | $1,021 | $3,021 | $742 | $2,742 | $279 |
| Indian Springs Village, AL | $500 | $1,803 | $2,303 | $1,310 | $1,810 | $493 |
| Pelham, AL | $1,000 | $955 | $1,955 | $694 | $1,694 | $261 |
| Shelby County, AL | $200 | $1,287 | $1,487 | $935 | $1,135 | $352 |
| Sumiton, AL | $1,000 | $1,154 | $2,154 | $839 | $1,839 | $315 |
| Renfroe-Laniers, AL | $500 | $1,025 | $1,525 | $745 | $1,245 | $280 |
| Nectar, AL | $700 | $1,113 | $1,813 | $809 | $1,509 | $304 |
| Mignon, AL | $200 | $525 | $725 | $381 | $581 | $143 |
| Hollins, AL | $1,000 | $599 | $1,599 | $435 | $1,435 | $164 |
| Altoona, AL | $200 | $782 | $982 | $569 | $769 | $214 |
| Kansas, AL | $2,000 | $648 | $2,648 | $471 | $2,471 | $177 |
Identify Top Home Insurance Agents near Birmingham, AL | Back to Top
| Home Insurance Company Birmingham, AL | Homeowners Insurance Agency Birmingham, AL | Address | Popularity Score | Distance from Birmingham (miles) |
|---|---|---|---|---|
| State Farm | Beth Slaughter | 1810 Decatur Hwy Ste 204, Fultondale, AL, 35068-1700 | 7.0 | |
| State Farm | Stan Faulkner | 1747 Oxmoor Rd, Homewood, AL, 35209-4048 | 3.2 | |
| State Farm | Shirley Quattlebaum | 905 2nd Avenue Sw, Cullman, AL, 35055-4224 | 45.0 | |
| Allstate | Brian Campbell | 2870 Old Rocky Ridge Rd Ste 140, Birmingham, AL, 35243 | 8.1 | |
| Travelers | Greenhalgh Insurance Agency | 3144 Cahaba Heights Rd, Birmingham, AL, 35243 | 6.7 | |
| Travelers | Virgil B Fowler Insurance Agency | 806 2nd Ave Sw, Cullman, AL, 35055 | 45.1 | |
| Farmers | Keith Devine | 1140 Main St, Gardendale, AL, 35071 | 9.7 | |
| Allstate | Isaac Ephraim | 832 Green Springs Hwy Ste 101b, Birmingham, AL, 35209 | 3.9 | |
| Travelers | Bates-Roberts-Fowlkes & Jackson Insurance | 1812 6th Ave South, Irondale, AL, 35210 | 7.1 | |
| State Farm | Amy Smith | 3900 Montclair Rd Ste 350, Birmingham, AL, 35213-2430 | 3.8 |
Compare Rates for Birmingham, AL Home Insurance Providers | Back to Top
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Alabama | $132,100 | $1,168 | $790 | $1,600 | $810 |
| Jefferson County, AL | $149,000 | $1,162 | $820 | $1,640 | $820 |
| Birmingham, AL | $121,200 | $1,033 | $690 | $1,480 | $790 |
| Indian Springs Village, AL | $335,600 | $1,825 | $1,300 | $2,500 | $1,200 |
| Pelham, AL | $175,300 | $966 | $670 | $1,340 | $670 |
| Shelby County, AL | $199,500 | $1,302 | $870 | $1,780 | $910 |
| Sumiton, AL | $132,100 | $1,168 | $780 | $1,610 | $830 |
| Renfroe-Laniers, AL | $108,000 | $1,037 | $760 | $1,470 | $710 |
| Nectar, AL | $124,300 | $1,127 | $760 | $1,570 | $810 |
| Mignon, AL | $38,400 | $531 | $370 | $730 | $360 |
| Hollins, AL | $47,100 | $606 | $410 | $840 | $430 |
| Altoona, AL | $70,700 | $792 | $580 | $1,100 | $520 |
| Kansas, AL | $53,100 | $656 | $440 | $910 | $470 |
Research Home Insurance Companies Reviews in Birmingham, AL Before Buying | Back to Top
Share a review on your home insurance company
State Farm Home Insurance Reviews
Date: January 02, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Date: December 29, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Date: December 09, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Date: October 04, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Date: September 18, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Date: September 03, 2018 Age: 50 to 59 Gender: Male Marital Status: Married
Date: August 20, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Date: August 09, 2018 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Date: August 08, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Date: July 24, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Date: May 10, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Date: November 18, 2017 Age: 30 to 39 Gender: Female Marital Status: Married
Date: November 18, 2017 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Farmer's Insurance Home Insurance Reviews
Date: September 05, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Date: September 20, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: August 30, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Date: August 14, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Date: July 26, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Date: November 19, 2017 Age: 30 to 39 Gender: Female Marital Status: Married
National General Home Insurance Reviews
Date: September 23, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: September 11, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Date: August 31, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Date: July 31, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Date: November 18, 2017 Age: Above 60 Gender: Male Marital Status: Married
American Modern Insurance Home Insurance Reviews
Date: August 31, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Date: August 06, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Date: August 02, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: November 18, 2017 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Allstate Home Insurance Reviews
Date: April 04, 2019 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Date: October 15, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Nationwide Home Insurance Reviews
Date: February 07, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Travelers Home Insurance Reviews
Date: November 22, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
GEICO Home Insurance Reviews
Date: October 18, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Universal Property & Casualty Insurance Company Home Insurance Reviews
Date: July 02, 2019 Age: 50 to 59 Gender: Female Marital Status: Married