How much is renters insurance in Gardendale, AL

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In Gardendale, AL, the average cost of renters insurance is $322 annually for $40,000 in personal property, $300,000 in liability and a $1,000 deductible. It is $2 less than the state average of $324 per year.

Renters insurance costs may differ depending on the coverage you opt for and the amount of liability coverage included in your policy. If you’re living in a rental property, it’s worth considering this type of insurance to protect your belongings from damages caused by fire, smoke, theft, vandalism and other covered events.

We conducted an in-depth analysis of insurance companies to find the most affordable insurers for renters in Gardendale. Continue reading to know the cheapest renters insurance companies in Gardendale.

Key Takeaways

Renters insurance in Gardendale costs an average of $322 per year or $27 monthly.
Alfa Corporation offers the cheapest renters in Gardendale, with a monthly premium of $16.
Renters can save more on insurance by taking advantage of discounts, including those for having a security system or bundling policies.

What is the average cost of renters insurance per month in Gardendale?

The average monthly cost of renters insurance in Gardendale is $27, which is equals to the state average of $27. This rate is for the coverage limit of $40,000 in personal property, $300,000 in liability protection and a $1,000 deductible.

Renters insurance rates vary by city depending on the coverage and the insurance company you choose. For example, renters in Gardendale pay $20 monthly for $20,000 in personal property coverage with a $1,000 deductible. If you increase your personal property coverage to $40,000, the cost will rise by $7 more.

You’ll need to determine the right amount of coverage based on your needs and budget. However, opting for higher coverage limits is recommended if you own valuable items like jewelry, furniture and electronics.

How much is renters insurance in Gardendale by deductible?

The average cost of renters insurance in Gardendale is $262 annually for a $500 deductible and $20,000 in personal property coverage

The deductible is the amount you pay out-of-pocket before your insurance kicks in. If you raise your deductible, your premiums will decrease. For example, if you maintain $20,000 in personal property coverage but increase your deductible from $500 to $1,000, you’ll save $25 every year on your insurance.

Here are the renters insurance premiums for different personal property coverage and deductible amounts.

Deductible	$20,000 personal property	$40,000 personal property	$60,000 personal property
$500	$262	$356	$451
$1,000	$237	$322	$409

Read our guide to know what does renters insurance cover.

Who offers cheap renters insurance in Gardendale?

Your quest for the cheapest renters insurance ends here.

Alfa Corporation provides the cheapest rates in Gardendale, with an annual premium of $191 or $16 per month. State Farm is the second cheapest company, followed by Nationwide.

Insure.com’s experts have compared renters insurance quotes from all the national and regional carriers in Gardendale to create a list of the most affordable insurers. Below is a list of the cheapest renters insurance companies and their average annual and monthly rates.

Renter insurance provider	Average annual rate	Average per month rate
Alfa Corporation	$191	$16
State Farm	$278	$23
Nationwide	$286	$24
Auto-Owners	$306	$26
Country Financial	$399	$33
Allstate	$531	$44
Farmers	$571	$48
USAA	$192	$16

Tips for lowering the cost of renters insurance

Follow these tips to reduce the cost of your renters insurance in Gardendale:

Bundle policies: If you have other insurance policies, such as car insurance, consider bundling them with the same company. Many insurers in Gardendale provide discounts for bundled policies.

Increase your deductible: Opting for a higher deductible can lower your premium in Gardendale, but make sure you’re comfortable with the potential out-of-pocket costs if you file a claim.

Choose the right coverage amount: Review your renters insurance policy regularly to ensure you aren’t paying for unnecessary coverage, such as excess personal property coverage if you don’t own many valuables.

Avoid filing too many claims: Filing frequent small claims can increase your rates. It might be worth paying for minor damages out-of-pocket instead of using your insurance.

Compare quotes: Don’t accept the first quote you get. Shop around and compare renters insurance rates from different insurers in Gardendale to find the best deal.

Final thoughts

Renters insurance in Gardendale, AL, offers valuable protection for renters at an affordable price. While premiums can vary depending on location, coverage amount and individual circumstances, the peace of mind it provides is worth the investment. By understanding your coverage needs, comparing quotes and taking advantage of discounts, you can find an affordable policy that suits your budget.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for renters insurance rates in Gardendale for $40,000 personal property coverage, $300,000 liability coverage, and a $1,000 deductible. The data presented are those with a good credit tier alignment.

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Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.