Homeowners Premium Comparisons


The Alabama Department of Insurance offers consumers the opportunity to compare homeowners premiums of insurance companies. The information provided is for comparison purposes only. Even though these are real premiums, premiums vary considerably depending on the circumstances.  

Please read the examples below and select the one that best fits your circumstances by clicking on the "Compare Premiums" link in the appropriate section.

Note: The listing of an insurance company on this site does not constitute an endorsement by the Office of the Governor or the Alabama Department of Insurance. The premiums provided here do not include surcharges or discounts that may apply to a particular policy. Actual premiums may vary.

Example 1

Compare Premiums
Annual premium for HO-3 policy, brick construction, $150,000 Coverage A, 10-year old dwelling, $1,000 deductible, new business, 710 credit score, no policy lapses, premium paid-in-full, multi-policy discount, has smoke detectors, has deadbolt locks, no other protective devices and no significant remodeling, no claims.  Insured is 40 year old non-smoker.  Protection class will vary by zip code.

Example 2

Compare Premiums
Annual premium for HO-3 policy, brick construction, $300,000 Coverage A, 10-year old dwelling, $1,000 deductible, new business, 710 credit score, no policy lapses, premium paid-in-full, multi-policy discount, has smoke detectors, has deadbolt locks, no other protective devices and no significant remodeling, no claims. Insured is 40 year old non-smoker. Protection class will vary by zip code.