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, $500 deductible, new business, 710 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 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, $500 deductible, new business, 710 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
claims. Insured is 40 year old non-smoker. Protection class will vary by zip
code.