{"id":325125,"date":"2025-11-14T07:47:01","date_gmt":"2025-11-14T12:47:01","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=95966"},"modified":"2025-11-14T08:54:16","modified_gmt":"2025-11-14T13:54:16","slug":"best-in-alabama","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-alabama\/","title":{"rendered":"The Best Homeowners Insurance in Alabama of 2025"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"report\" title=\"Reviews Report\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Reviews Report<\/h2>\n\n\n\n<ul class=\"is-style-blog-list\">\n<li>Auto-Owners remains a strong overall pick for Alabama homeowners thanks to agent-led service, claims reputation, and financial strength.<\/li>\n\n\n\n<li>Average premiums in Alabama now typically fall in the low\u2011$2,000s per year for a mid\u2011range HO\u20113 policy; the cheapest carrier varies by ZIP, home features, and discounts\u2014compare multiple quotes.<\/li>\n\n\n\n<li>USAA is still the best Alabama home insurance choice for military-focused coverage and customer service for eligible members.<\/li>\n<\/ul>\n\n\n\n<p>Homeowners insurance in Alabama remains relatively expensive. According to the latest NAIC statewide benchmark (policy year 2022, summarized by <a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-homeowners-and-renters-insurance\">Triple\u2011I<\/a>), Alabama\u2019s average homeowners insurance expenditure increased versus 2021 and remains above the U.S. average. Recent 2024 market snapshots from <a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/alabama-homeowners-insurance\/\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/homeowners-insurance-alabama\">NerdWallet<\/a> and <a href=\"https:\/\/www.valuepenguin.com\/homeowners-insurance\/alabama\">ValuePenguin<\/a> show typical premiums for a mid\u2011range HO\u20113 policy in the low\u2011$2,000s per year. Although <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/about\/\" class=\"achor-toggles\">home insurance<\/a> is not a legal requirement, it\u2019s a critical safeguard given Alabama\u2019s severe weather and coastal risk.<\/p>\n\n\n\n<p>There are plenty of home insurance companies operating in Alabama. To help you find the best coverage for your needs, we did some research and compared providers based on average premiums, coverage options, discounts, third-party ratings, and financial strength scores. The companies we find most compelling for current Alabama shoppers include State Farm, Alfa Insurance, USAA (for eligible members), Allstate, Travelers, Nationwide, Auto\u2011Owners, and Farmers, with the <a href=\"https:\/\/www.aiua.org\/\">Alabama Insurance Underwriting Association (AIUA)<\/a> offering wind\u2011only solutions in coastal counties.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-picks\" title=\"Our Top Picks\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\"><strong>The 5 Best Homeowners Insurance Companies in Alabama<\/strong><\/h2>\n\n\n\n<ul>\n<li> <a href=\"#auto-owners\" rel=\"nofollow\" class=\"achor-toggles\">Auto-Owners<\/a>: Best Overall<\/li>\n\n\n\n<li><a href=\"#cincinnati-insurance\" class=\"achor-toggles\">Cincinnati Financial<\/a>: Best for Cheap Rates<\/li>\n\n\n\n<li><a href=\"#usaa\" class=\"achor-toggles\">USAA<\/a>: Best for Military-Focused Coverage<\/li>\n\n\n\n<li><a href=\"#allstate\" class=\"achor-toggles\">Allstate<\/a>: Best for Optional Coverages<\/li>\n\n\n\n<li><a href=\"#state-farm\" class=\"achor-toggles\">State Farm<\/a>: Best for New Homeowners<\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"chart\" title=\"Compare the Best Alabama Home Insurance Companies \"><\/span>\n    \n\n\t\t\n<section id=\"block_60b8d932f5a66\" class=\"b-compare-table\">\n\t<h2 class=\"b-compare-table-title\">Compare the Best Alabama Home Insurance Companies <\/h2>\n\n\t\t\t<div class=\"b-compare-table__table-wrapper\">\n\t\t\t<table class=\"b-compare-table__table\">\n\t\t\t\t<thead class=\"b-compare-table__table-head\">\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAverage Premium*\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAverage Monthly Premium*\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tJ.D. Power Customer Satisfaction**\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tJ.D. Power scores are based on surveys for customer satisfaction and product quality.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tAM Best\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tAM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tStandard &#038; Poor\u2019s\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tStandard &#038; Poor\u2019s (S&#038;P) rates creditworthiness for businesses, countries and cities that issue bonds.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t<th><\/th>\n\t\t\t\t<\/thead>\n\t\t\t<\/tr>\n\t\t<\/thead>\n\t\t<tbody class=\"b-compare-table__table-body\">\n\t\t\t\t\t\t\t<tr id=\"block_60b8d932f5a66-1\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='1'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Auto-Owners<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,675<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$140<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>843<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>N\/A<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_60b8d932f5a66-2\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='2'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Cincinnati Financial<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$740<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$62<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>N\/A<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_60b8d932f5a66-3\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='3'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">USAA<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$747<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$62<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>889<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>AA+<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_60b8d932f5a66-4\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='4'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Allstate<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,575<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$131<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>829<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>AA-<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_60b8d932f5a66-5\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='5'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">State Farm<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,484<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$124<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>829<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>AA<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t<\/tbody>\n\t<\/table>\n<\/div><\/section>\n\n\n\n<p><em>Information accurate as of November 2025<\/em><\/p>\n\n\n\n<p><em>*Sources: <a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-homeowners-and-renters-insurance\">Triple\u2011I\/NAIC<\/a>; <a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/alabama-homeowners-insurance\/\">Bankrate<\/a>; <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/homeowners-insurance-alabama\">NerdWallet<\/a>; <a href=\"https:\/\/www.valuepenguin.com\/homeowners-insurance\/alabama\">ValuePenguin<\/a><\/em><\/p>\n\n\n\n<p><em>**J.D. Power\u2019s <a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">2024 U.S. Home Insurance Study<\/a>. Based on a 1,000-point scale. <\/em><\/p>\n\n\n\n<p><em>***Not official ranked by J.D. Power due to eligibility restrictions <\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"auto-owners\" title=\"Best Overall\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Auto-Owners<\/h2>\n\n\n                                                \n\n\n<section id=\"auto-owners\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Auto-Owners<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best Overall<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Auto-Owners is highly rated by J.D. Power for overall customer satisfaction, as well as claims satisfaction, making it a great option for Alabama homeowners who are looking for a provider with great customer service.\r\n\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=337424-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,675*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">843**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Auto-Owners is highly rated by J.D. Power for overall customer satisfaction, as well as claims satisfaction, making it a great option for Alabama homeowners who are looking for a provider with great customer service.\r\n\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Excellent third-party reviews<\/li>\n                            <li>Great financial strength<\/li>\n                            <li>Wide variety of discounts<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>No online quotes<\/li>\n                                        <li>Above-average premium costs<\/li>\n                                        <li>Limited online tools and resources<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Available Discounts<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/bundling-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" data-rich-text-format-boundary=\"true\">Multi-policy<\/a><\/li>\n<li>Payment history<\/li>\n<li>Paperless statements<\/li>\n<li>Protective devices<\/li>\n<li>Automatic backup generator<\/li>\n<li>Pay in full<\/li>\n<li>Life multi-policy<\/li>\n<li>Advance quote<\/li>\n<li>Water shutoff system<\/li>\n<li>No mortgage<\/li>\n<li>Claims-free<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Additional Coverage <\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Guaranteed home replacement cost<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Special personal property<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Homeowners plus package<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Identity theft coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Equipment breakdown<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Law\/ordinance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Water back up<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Flood insurance<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More Auto-Owners Insurance Reviews<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/auto-owners-review\/\"><span style=\"font-weight: 400;\">Auto-Owners Home Insurance Review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/car\/auto-owners-review\/\"><span style=\"font-weight: 400;\">Auto-Owners Car Insurance Review<\/span><\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"cincinnati-insurance\" title=\"Best for Cheap Rates\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Cincinnati Financial<\/h2>\n\n\n                                                \n\n\n<section id=\"cincinnati-financial\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Cincinnati Financial<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Cheap Rates<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Based on our sample rate quotes, Cincinnati Insurance is the best cheap home insurance provider in Alabama, which is ideal for homeowners who are shopping for insurance on a limited budget.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=337952-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$740*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">N\/A**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Based on our sample rate quotes, Cincinnati Insurance is the best cheap home insurance provider in Alabama, which is ideal for homeowners who are shopping for insurance on a limited budget.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Cheapest average premiums<\/li>\n                            <li>High-value home coverage<\/li>\n                            <li>Strong financial ratings<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>No online quotes<\/li>\n                                        <li>Fewer discounts than competitors<\/li>\n                                        <li>Some coverages only available with high-value home policies<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Available Discounts<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-policy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">New home<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Claims-free<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Protective device<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Additional Coverage<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Earthquake insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Golf cart insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Identity theft insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Homeowner plus package<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Enhanced replacement cost<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Personal cyber protection<\/span><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"usaa\" title=\"Best for Military-Focused Coverage\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">USAA<\/h2>\n\n\n                                                \n\n\n<section id=\"usaa\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">USAA<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Military-Focused Coverage<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                USAA is the best home insurance company in Alabama for active duty and retired service members, with excellent customer service, a variety of coverage options, and affordable premiums.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.dpbolvw.net\/click-5941215-10998643?sid=r16491&#038;rvitemid=325264-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$747*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">889**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                USAA is the best home insurance company in Alabama for active duty and retired service members, with excellent customer service, a variety of coverage options, and affordable premiums.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Great customer service<\/li>\n                            <li>Competitive premiums<\/li>\n                            <li>Policies include replacement cost coverage<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Must be affiliated with the military to get coverage<\/li>\n                                        <li>Not many discounts<\/li>\n                                        <li>Few local office branches<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Available Discounts <\/h4>\n                <div> <ul class=\"rich-text editor-rich-text__editable block-editor-rich-text__editable is-selected\" role=\"textbox\" contenteditable=\"true\" aria-multiline=\"true\" aria-label=\"Write list\u2026\">\n<li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/bundling-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" data-rich-text-format-boundary=\"true\">Policy bundling<\/a><\/li>\n<li>Protective device<\/li>\n<li>Claims-free<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Additional Coverage<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Home sharing insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Identity theft coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Earthquake insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Flood insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Military uniform coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Valuable personal property coverage<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More USAA Insurance Reviews<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/usaa-review\/\"><span style=\"font-weight: 400;\">USAA Home Insurance Review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/car\/usaa-review\/\"><span style=\"font-weight: 400;\">USAA Auto Insurance Review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/usaa-review\/\"><span style=\"font-weight: 400;\">USAA Renters Insurance Review<\/span><\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"allstate\" title=\"Best for Optional Coverages\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Allstate<\/h2>\n\n\n                                                \n\n\n<section id=\"allstate\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Allstate<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Optional Coverages<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Allstate offers a wide variety of optional coverage, so we recommend it for Alabama homeowners who want to customize a home insurance policy that meets their unique needs.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/d.agkn.com\/pixel\/2267\/?che=[cachebuster]&#038;col=345361,859480,11659822&#038;l1=https:\/\/www.allstate.com\/landingpages\/lsp\/Affiliate-home-desktop.html?CID=AFF-REV-HO-074205-200616&#038;campaign=444490000074205&#038;clickid={clickid}&#038;source={irpid}&#038;subsource={sharedid}&#038;IRCmpID={ircid}&#038;rvitemid=325257-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,575*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">829**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Allstate offers a wide variety of optional coverage, so we recommend it for Alabama homeowners who want to customize a home insurance policy that meets their unique needs.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Lots of discounts<\/li>\n                            <li>Many optional coverages<\/li>\n                            <li>Helpful website with several tools and resources<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li><a href=\"https:\/\/www.naic.org\/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&#038;COCODE=19232&#038;REALM=PROD\" rel=\"noopener\" target=\"_blank\">High number of company complaints<\/a><\/li>\n                                        <li>More expensive premiums than some competitors<\/li>\n                                        <li><a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2021-us-property-claims-satisfaction-study\" rel=\"noopener\" target=\"_blank\">Below-average ratings for claims satisfaction<\/a><\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Available Discounts <\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Claims-free<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-policy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Responsible payer<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Welcome and loyalty<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Home buyer<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Automatic payments<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Protective device<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Early signing<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Additional Coverage <\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Host Advantage insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Identity theft restoration<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Water backup coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Scheduled personal property coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Business property coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Sports equipment coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Green improvement reimbursement<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Yard and garden coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Electronic data recovery coverage<\/span><\/li>\n<li aria-level=\"1\">Flood insurance<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Musical instruments coverage<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More Allstate Insurance Reviews<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/allstate-review\/\"><span style=\"font-weight: 400;\">Allstate Homeowners Insurance Review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/car\/allstate-review\/\"><span style=\"font-weight: 400;\">Allstate Auto Insurance Review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/allstate-review\/\"><span style=\"font-weight: 400;\">Allstate Renters Insurance Review<\/span><\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"state-farm\" title=\"Best for New Homeowners\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">State Farm<\/h2>\n\n\n                                                \n\n\n<section id=\"state-farm\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">State Farm<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for New Homeowners<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                State Farm has great online tools, resources, and articles, which makes it a great option for first-time home insurance buyers in Alabama that need help choosing the right type and amount of coverage for their home.\r\n\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=331752-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,484*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">829**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                State Farm has great online tools, resources, and articles, which makes it a great option for first-time home insurance buyers in Alabama that need help choosing the right type and amount of coverage for their home.\r\n\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Robust and user-friendly website<\/li>\n                            <li>Detailed online quotes<\/li>\n                            <li>Helpful tools and resources for first-time home insurance buyers<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Not many discounts<\/li>\n                                        <li>Discounts are not available in every state <\/li>\n                                        <li><a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2021-us-property-claims-satisfaction-study\" rel=\"noopener\" target=\"_blank\">Below-average claims satisfaction reviews<\/a><\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Available Discounts <\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-policy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Home safety device<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Impact-resistant roof<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Additional Coverage<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Replacement cost coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Identity restoration coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Water back up coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Earthquake insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ordinance\/law coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Personal articles coverage<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More State Farm Insurance Reviews<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/state-farm-review\/\"><span style=\"font-weight: 400;\">State Farm Homeowners Insurance Review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/state-farm-renters-review\/\"><span style=\"font-weight: 400;\">State Farm Renters Insurance Review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/car\/state-farm-review\/\"><span style=\"font-weight: 400;\">State Farm Auto Insurance Review<\/span><\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>*Sources: <a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-homeowners-and-renters-insurance\">Triple\u2011I\/NAIC<\/a>; <a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/alabama-homeowners-insurance\/\">Bankrate<\/a>; <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/homeowners-insurance-alabama\">NerdWallet<\/a>; <a href=\"https:\/\/www.valuepenguin.com\/homeowners-insurance\/alabama\">ValuePenguin<\/a><\/em><\/p>\n\n\n\n<p><em>**J.D. Power\u2019s 2024 U.S. Home Insurance Study. Based on a 1,000-point scale.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"average-cost-alabama\" title=\"Average Cost of Home Insurance in Alabama \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Average Cost of Home Insurance in Alabama&nbsp;<\/h2>\n\n\n\n<p>According to the latest NAIC benchmark (policy year 2022, via <a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-homeowners-and-renters-insurance\">Triple\u2011I<\/a>), Alabama\u2019s average homeowners insurance expenditure rose from the prior year and remains above the national average. For current shopping conditions, 2024 market snapshots from <a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/alabama-homeowners-insurance\/\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/homeowners-insurance-alabama\">NerdWallet<\/a> and <a href=\"https:\/\/www.valuepenguin.com\/homeowners-insurance\/alabama\">ValuePenguin<\/a> place a typical mid\u2011range HO\u20113 policy in the low\u2011$2,000s per year.<\/p>\n\n\n\n<p>Premiums vary widely by county and proximity to the Gulf. Coastal counties like Mobile and Baldwin typically pay more than inland metros such as Birmingham or Huntsville, and separate wind or hurricane deductibles are common near the coast.<\/p>\n\n\n\n<p>However, it\u2019s important to remember that <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/compare-quotes-pm\/\" class=\"achor-toggles\">home insurance quotes<\/a> are personalized. You might pay more or less than average based on factors like your age, credit score, claims history, roof age and material, mitigation credits (e.g., FORTIFIED), and your city and ZIP code. For instance, the cost of homeowners insurance in Mobile, AL, will be different than the average rate in Tuscaloosa, AL. <\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"average-premium\" title=\"Average Premium from Homeowners Insurance Companies in Alabama\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Average Premium from Homeowners Insurance Companies in Alabama<\/h2>\n\n\n\n<p>Using the latest official statewide benchmark from the NAIC (policy year 2022, via <a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-homeowners-and-renters-insurance\">Triple\u2011I<\/a>) alongside 2024 market snapshots from <a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/alabama-homeowners-insurance\/\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/homeowners-insurance-alabama\">NerdWallet<\/a> and <a href=\"https:\/\/www.valuepenguin.com\/homeowners-insurance\/alabama\">ValuePenguin<\/a>, Alabama\u2019s current shopper-facing averages generally fall in the low\u2011$2,000s per year for a typical HO\u20113 policy. Historical sample rates below are for comparison only; current quotes will vary.<\/p>\n\n\n\n<p>These are sample rates and should be used for comparative purposes only. Your quotes may be different.<\/p>\n\n\n\n<p>The coverage limits in the methodology are as follows:<\/p>\n\n\n\n<ul>\n<li>Coverage A, Dwelling: $250,000<\/li>\n\n\n\n<li>Coverage B, Other Structures: $25,000<\/li>\n\n\n\n<li>Coverage C, Personal Property: $125,000<\/li>\n\n\n\n<li>Coverage D, Loss of Use: $50,000<\/li>\n\n\n\n<li>Coverage E, Liability: $300,000<\/li>\n\n\n\n<li>Coverage F, Medical Payments: $1,000<\/li>\n<\/ul>\n\n\n\n<p>The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).<\/p>\n\n\n\n<p><strong>Average annual premium for Alabama companies<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table><tbody><tr><td>Cincinnati Insurance<\/td><td>$740<\/td><\/tr><tr><td>USAA<\/td><td>$747<\/td><\/tr><tr><td>Nationwide<\/td><td>$1,424<\/td><\/tr><tr><td>Centauri Specialty Ins Co<\/td><td>$1,437<\/td><\/tr><tr><td>State Farm<\/td><td>$1,484<\/td><\/tr><tr><td>Allstate<\/td><td>$1,575<\/td><\/tr><tr><td>Auto-Owners<\/td><td>$1,675<\/td><\/tr><tr><td>Farmers<\/td><td>$1,805<\/td><\/tr><tr><td>Travelers<\/td><td>$2,006<\/td><\/tr><tr><td>Country Financial<\/td><td>$2,371<\/td><\/tr><tr><td>Alfa<\/td><td>$2,438<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>Sources: Bankrate.com (historical sample quotes); statewide benchmark via <a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-homeowners-and-renters-insurance\">Triple\u2011I\/NAIC<\/a><\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top2\" title=\"Top 3 Most Expensive Homeowner Insurance Companies in Alabama\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Most Expensive Companies for Alabama Homeowners Insurance&nbsp;<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Premium<\/strong><\/td><td><strong>Average Monthly Premium<\/strong><\/td><\/tr><tr><td>Alfa<\/td><td>$2,438&nbsp;<\/td><td>$203<\/td><\/tr><tr><td>Country Financial<\/td><td>$2,371<\/td><td>$197<\/td><\/tr><tr><td>Travelers<\/td><td>$2,006<\/td><td>$167<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>Sources: Bankrate.com (historical sample quotes); for current trends see <a href=\"https:\/\/www.policygenius.com\/homeowners-insurance\/home-insurance-pricing-trends\/\">Policygenius Rate Change Index<\/a> and <a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-homeowners-and-renters-insurance\">Triple\u2011I\/NAIC<\/a><\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top1\" title=\"Top 3 Cheapest Homeowner Insurance Companies in Alabama\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Cheapest Companies for Alabama Homeowners Insurance<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Premium<\/strong><\/td><td><strong>Average Monthly Premium<\/strong><\/td><\/tr><tr><td>Cincinnati Insurance<\/td><td>$740<\/td><td>$62<\/td><\/tr><tr><td>USAA<\/td><td>$747<\/td><td>$62<\/td><\/tr><tr><td>Nationwide<\/td><td>$1,424<\/td><td>$119<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>Sources: Bankrate.com (historical sample quotes); current shopper-facing averages for Alabama are typically in the low\u2011$2,000s per year per <a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/alabama-homeowners-insurance\/\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/homeowners-insurance-alabama\">NerdWallet<\/a> and <a href=\"https:\/\/www.valuepenguin.com\/homeowners-insurance\/alabama\">ValuePenguin<\/a><\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"perils\" title=\"Common Home Insurance Perils in Alabama\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Alabama Home Insurance Considerations <\/h2>\n\n\n\n<p>Alabama homeowners face a number of different perils that could potentially damage or destroy their homes. Due to the state\u2019s location near the Gulf of Mexico, hurricanes, strong winds, storm surges, and flooding are among the most common natural disasters to be aware of. In many coastal ZIP codes, separate wind or hurricane deductibles are common.<\/p>\n\n\n\n<p>In recent years, the U.S. has seen a record number of billion\u2011dollar weather and climate disasters, with multiple severe storm clusters affecting the Southeast, including Alabama, per <a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\">NOAA<\/a>. For historical context on Alabama\u2019s coastal hurricane exposure and tornado activity, see <a href=\"https:\/\/rss.alabamanewscenter.com\/storm-safety\/major-hurricanes-that-threatened-alabama\/#:~:text=Over%20the%20past%2090%20years,the%20destruction%20they%20left%20behind.\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">nine major hurricanes<\/a> and the National Weather Service\u2019s <a href=\"https:\/\/www.weather.gov\/bmx\/tornadostats2\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">tornado statistics<\/a>.<\/p>\n\n\n\n<p>Standard home insurance policies cover <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/what-does-homeowners-insurance-cover\/\">many of the most common losses<\/a> that homeowners can face. However, home insurance policies don\u2019t cover everything. It\u2019s a good idea to review your policy <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/home-insurance-declaration-page\/\">declaration page<\/a> to see exactly what is and isn\u2019t covered. To fill gaps in your policy, Alabama homeowners may want to consider purchasing certain add-on coverages. Flood insurance is one of the most important. Many insurance providers sell flood insurance through the National Flood Insurance Program (NFIP), which is federally sponsored, and many coastal policies exclude wind\/hail, which can be paired with a wind\u2011only policy from the <a href=\"https:\/\/www.aiua.org\/\">Alabama Insurance Underwriting Association (AIUA)<\/a>.<\/p>\n\n\n\n<p>Other add-on coverages to consider are valuable items coverage, <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/does-homeowners-insurance-cover-water-damage\/\">water backup coverage<\/a>, and identity theft coverage. Alabama homeowners can also potentially lower wind premiums by upgrading to an IBHS FORTIFIED Roof, often supported by grants from <a href=\"https:\/\/strengthenalabamahomes.com\/\">Strengthen Alabama Homes<\/a> and recognized by many insurers with sizable credits (see IBHS <a href=\"https:\/\/ibhs.org\/fortified\/fortified-by-the-numbers\/\">FORTIFIED adoption data<\/a>).<\/p>\n\n\n\n<p><strong>Helpful Resources for Alabama Homeowners<\/strong><\/p>\n\n\n\n<p>If you still need help determining how much coverage and what type of Alabama home insurance coverage you need, here are some additional resources that can help you decide: in coastal counties, consider the <a href=\"https:\/\/www.aiua.org\/\">AIUA<\/a> wind\u2011only program and mitigation grants from <a href=\"https:\/\/strengthenalabamahomes.com\/\">Strengthen Alabama Homes<\/a>.<\/p>\n\n\n\n<ul>\n<li>Alabama Department of Insurance\u2019s <a href=\"https:\/\/www.aldoi.gov\/Consumers\/HomeInsurance.aspx\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Consumer\u2019s Guide to Homeowners Insurance<\/a><\/li>\n\n\n\n<li>Alabama Department of Insurance\u2019s <a href=\"https:\/\/www.aldoi.gov\/Consumers\/CommonQuestions.aspx\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Commonly Asked Home Insurance Questions<\/a><\/li>\n\n\n\n<li>Alabama Department of Insurance\u2019s <a href=\"https:\/\/www.aldoi.gov\/Consumers\/FloodInsurance.aspx\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Flood Insurance Information<\/a><\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"faq\" title=\"Alabama Home Insurance FAQ\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Alabama Home Insurance FAQ<\/h2>\n\n\n<div id=\"block_60b8e24df5ad5\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Who has the cheapest homeowners insurance in Alabama?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Based on 2021 data from Bankrate.com, Cincinnati Financial is the <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-cheap\/\">cheapest home insurance provider<\/a> in Alabama, with an average annual rate of $740. It\u2019s also one of the <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best\/\"><span style=\"font-weight: 400;\">best home insurance companies<\/span><\/a><span style=\"font-weight: 400;\"> in the state.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_60b8e26af5ad6\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Who has the best homeowners insurance in Alabama? <\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Although Cincinnati Financial has the cheapest rates based on our sample quotes, it might not be the best option for everyone. The best company for your needs will depend on the coverage you need, your individual rating factors and the policy features you are looking for. Getting quotes from several companies might help you find a good fit.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_60b8e285f5ad7\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How much is homeowners insurance per month in Alabama? <\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">The average homeowner\u2019s insurance premium in Alabama is $1,624 per year, which breaks down to about $135 per month.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_60b8e2a1f5ad8\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Is home insurance required in Alabama?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">No, home insurance is not legally required in Alabama. However, <\/span><span style=\"font-weight: 400;\">it\u2019s likely that your mortgage lender will require it as part of your loan terms.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"methodology \" title=\"Methodology \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology&nbsp;<\/h2>\n\n\n\n<p>We evaluated the companies based on their third-party agency ratings for customer experience, financial stability, as well as coverage options to determine which might be the best providers.&nbsp;<\/p>\n\n\n\n<p>To compare home insurance companies across the board, we considered the following factors:<\/p>\n\n\n\n<ul>\n<li>Customer Ratings \u2014 Customer ratings are an indication of satisfaction with the process of filing a claim. We measured this using J.D. Power Homeowners Satisfaction ratings.<\/li>\n\n\n\n<li>Coverage \u2014 As there isn\u2019t one company to fit everyone\u2019s needs, we evaluated companies by the amount of coverage options and add-ons available.&nbsp;<\/li>\n\n\n\n<li>Confidence \u2014 It is extremely important for insurance companies to fulfill customers\u2019 claims. Companies with sound financial strength will not have issues paying out claims, regardless of the amount. However, companies with weak financial strength might not be able to pay out claims. We measured this using AM Best\u2019s ratings, which specializes in assessing the financial strength of insurance companies.<\/li>\n\n\n\n<li>Customer Experience \u2014 The amount of complaints a company receives is an indicator of the overall customer experience as it expresses dissatisfaction. We have based this measure on the NAIC National Complaint Index.<\/li>\n<\/ul>\n\n\n\n<p>Rates and averages referenced use the NAIC\u2019s latest statewide benchmark (policy year 2022, via <a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-homeowners-and-renters-insurance\">Triple\u2011I<\/a>) for state-to-state comparability, complemented by recent 2024 market snapshots from <a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/alabama-homeowners-insurance\/\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/homeowners-insurance-alabama\">NerdWallet<\/a>, and <a href=\"https:\/\/www.valuepenguin.com\/homeowners-insurance\/alabama\">ValuePenguin<\/a>. These are sample estimates and should be used for comparative purposes only. Your quotes may be different.<\/p>\n\n\n\n<p>The coverage limits for home insurance rates reflect the following coverage and limits:<\/p>\n\n\n\n<ul>\n<li>Coverage A, Dwelling: $250,000<\/li>\n\n\n\n<li>Coverage B, Other Structures: $25,000<\/li>\n\n\n\n<li>Coverage C, Personal Property: $125,000<\/li>\n\n\n\n<li>Coverage D, Loss of Use: $50,000<\/li>\n\n\n\n<li>Coverage E, Liability: $300,000<\/li>\n\n\n\n<li>Coverage F, Medical Payments: $1,000<\/li>\n<\/ul>\n\n\n\n<p>The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Reviews Report Homeowners insurance in Alabama remains relatively expensive. According to the latest NAIC statewide benchmark (policy year 2022, summarized by Triple\u2011I), Alabama\u2019s average homeowners insurance expenditure increased versus 2021 and remains above the U.S. average. Recent 2024 market snapshots from Bankrate, NerdWallet and ValuePenguin show typical premiums for a mid\u2011range HO\u20113 policy in the [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":362272,"parent":1691,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-refresh.php","meta":[],"categories":[1268],"tags":[21174],"post_author":[27908],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Best Alabama Home Insurance Companies of 2025| Reviews.com<\/title>\n<meta name=\"description\" content=\"Finding the best homeowners insurance in Alabama starts with knowing your state&#039;s risks. 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