How much is homeowners insurance in Gardendale,AL

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As per Insure.com’s rate data analysis, the average cost of homeowners insurance in Gardendale is $2,706 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), It’s $202 more than the national average of $2,504 .

Homeowners insurance rates differ significantly from one home to another. Home insurance rates in Gardendale depend on several factors, including:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

Allstate is the cheapest homeowners insurance company in Gardendale with an average annual premium of $2,706 per year.

This guide covers everything from available coverage options to companies with the cheapest homeowners insurance rates in Gardendale. Keep reading to learn about the monthly cost of homeowners insurance in Gardendale, the cost for different dwelling coverage levels, and discover which companies provide the most affordable home insurance in Gardendale.

Key takeaways

In Gardendale, homeowners insurance costs $2,706 annually.
Allstate offers the most affordable homeowners insurance in Gardendale with an average annual premium of $1,507.
If you increase your dwelling coverage from $200,000 to $300,000, your annual home insurance premium will be $650 higher.

How much is homeowners insurance in Gardendale per month

Residents of Gardendale pay an average of $225 a month for homeowners insurance, as per Insure.com’s rate analysis. It’s $36 less than the state average of $261 and $16 more than the national average for home insurance across the United States.

The cost of your homeowners insurance policy in Gardendale may change based on location, property value, and selected coverage options.

How much is homeowners insurance for a $200,000 house in Gardendale

In Gardendale, AL, homeowners pay an average of $2,056 annually for a $200,000 home. The annual cost of home insurance is influenced by factors such as the risk of natural disasters in your area.

Regions more susceptible to natural disasters, such as floods, hurricanes, or tornadoes, typically face higher rebuilding costs, leading to increased insurance premiums. It is important to understand that standard insurance policies might not cover damages caused by floods or hurricanes. If you live in a flood-prone area, it is advisable to purchase flood insurance.

How much is homeowners insurance for a $300,000 house in Gardendale

Based on a rate analysis conducted by Insure.com, Gardendale residents pay an average of $2,706 per year to insure a home for coverage limits of $300,000 dwelling, $100,000 liability with a $1,000 deductible. If you plan to increase your dwelling coverage from $200,000 to $300,000, you must pay an additional $650 per year for home insurance.

Buying adequate insurance to cover the entire expense of rebuilding your home is best advisable. However, the amount of dwelling coverage you need may vary depending on your home’s size, amenities, and the cost of living in your area.

How much is homeowners insurance in Gardendale by company

After evaluating several carriers, Allstate is the least expensive homeowners insurance provider in Gardendale. It’s average annual rate for homeowners in Gardendale is $1,507.

Alfa Corporation holds the second position, while Auto-Owners secures the third spot with an average annual home insurance rate of $2,188.

Researching the insurance company is crucial before selecting a homeowners insurance policy. Our experts have analyzed all insurance providers in Gardendale and compiled a list of the cheapest home insurance providers. Below, you’ll find the home insurance companies in Gardendale and their average annual premiums.

Home insurance company	Annual rate
Allstate	$1,507
Alfa Corporation	$1,924
Auto-Owners	$2,188
Farmers	$2,814
State Farm	$3,025
Nationwide	$3,149
Country Financial	$3,816
USAA*	$2,670

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Gardendale for $300,000 dwelling coverage, $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.