Homeowners Premium Comparisons


The Alabama Department of Insurance now offers consumers the opportunity to compare homeowners rates of insurance companies. The information provided is for comparison purposes only. Even though these are real rates, rates vary considerably depending on the circumstances.  At this time we do not have every insurance company's rates, just a few. 

Please read the examples below and select the one that best fits your circumstances by clicking on the "Compare Rates" 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 rates provided here do not include surcharges or discounts that may apply to a particular policy. Actual premiums may vary.

Example 1
Compare Rates  -  Compare Rates with Gold Level Retrofit Discount
Annual rate for HO-3 policy, brick construction, $75,000 Coverage A, 25-year old dwelling, $500 deductible, new business, neutral credit score, no policy lapses, premium paid-in-full, no multi-policy discount, has smoke detectors, has deadbolt locks, no other protective devices and no significant remodeling, no claims.

Example 2
Compare Rates  -  Compare Rates with Gold Level Retrofit Discount
Annual rate for HO-3 policy, brick construction, $100,000 Coverage A, 15-year old dwelling, $500 deductible, new business, neutral credit score, no policy lapses, premium paid-in-full, no multi-policy discount, has smoke detectors, has deadbolt locks on all doors, no other protective devices and no significant remodeling, no claims.

Example 3
Compare Rates  -  Compare Rates with Gold Level Retrofit Discount
Annual rate for HO-3 policy, brick construction, $150,000 Coverage A, 5-year old dwelling, $1000 deductible, new business, neutral credit score, no policy lapses, premium paid-in-full, no multi-policy discount, has smoke detectors, has deadbolt locks on all doors, no other protective devices and no significant remodeling, no claims.

Example 4
Compare Rates  -  Compare Rates with Gold Level Retrofit Discount
Annual rate for HO-3 policy, brick construction, $200,000 Coverage A, 10-year old dwelling, $1000 deductible, new business, neutral credit score, no policy lapses, premium paid-in-full, no multi-policy discount, has smoke detectors, has deadbolt locks on all doors, no other protective devices and no significant remodeling, no claims.

Example 5
Compare Rates  -  Compare Rates with New Home Fortified Discount
Annual rate for HO-3 policy, brick construction, $300,000 Coverage A, dwelling less than 1-year old, $1000 deductible, new business, neutral credit score, no policy lapses, premium paid-in-full, no multi-policy discount, has smoke detectors, has deadbolt locks on all doors, no other protective devices and no significant remodeling, no claims.