Best home insurance companies in Alabama
Many quality home insurance companies serve Alabama. Homeowners in Alabama should consider their individual needs before choosing a policy, including their home’s age, condition, and location.
Here are some of the best insurers in Alabama, based on common needs.
Best large insurer: Nationwide
Nationwide is one of the most trusted home insurance companies in the country and the 10th-largest home insurer by market share. The company has a strong presence in Alabama, with multiple agents in major cities like Birmingham and Tuscaloosa. Nationwide has a customer satisfaction index rating of 816 out of 1,000 from J.D. Power, which is slightly below average.
Low average rate of $233 per month
A+ financial stability grade from A.M. Best
Offers a home and auto bundle
Below-average customer satisfaction
Uses credit-based insurance scores (not ideal for people with low credit)
Mixed customer reviews from Better Business Bureau
Best insurer for cheap rates: Travelers
Travelers offers the lowest average rates in Alabama, at $216 per month. While Travelers is an affordable option, the company has a J.D. Power customer satisfaction rating of 794 out of 1,000, which is below average. Fortunately, Travelers does have high financial stability ratings, with an A++ grade from A.M. Best.
Offers the most affordable rates in the state
High financial stability ratings
Offers bundling discounts
Below-average customer satisfaction score
Discounts are slightly less substantial (12% for bundling)
No small, boutique provider experience
Best insurer for hurricane coverage: Liberty Mutual
Liberty Mutual’s standard policy covers damage to your home in the event of a hurricane. Liberty Mutual has a J.D. Power customer satisfaction rating of 805 out of 1,000, which is below the national average — but the company does offer some of the lowest average rates in the state, at $286 per month.
Average rates are well below the state average
Robust hurricane and windstorm coverage
Financial strength grade of A from A.M. Best
Low customer satisfaction score
Flood insurance sold separately
1.1/5 average score on Better Business Bureau site
Learn More: Hurricane Insurance: What You Need to Know
Best insurer for high-value homes: Hippo
Hippo offers increased coverage limits and additional coverage options for high-value homes. The company also offers discounts for smart home features that are often found in newer, more expensive homes. While J.D. Power hasn’t rated Hippo, A.M. Best gave the company a financial strength rating of A-.
Newer, less established brand
Average rate of $426 per month is higher than state average
Tech-driven focus may not appeal to all policyholders
Keep Reading: High-Value Home Insurance: What Is It?
Best regional insurance company: Midvale Home & Auto
Midvale Home & Auto offers robust homeowners insurance policies in Alabama. While J.D. Power hasn’t calculated a customer satisfaction score for Midvale Home & Auto, the provider has an A financial stability rating from A.M. Best.
Smaller, boutique insurance experience
High financial strength scores
Provides extended coverage of up to 50%
High average rate of $370 per month
Smaller and less established than some national insurers
Not accredited by the Better Business Bureau
Insurify’s team of data scientists analyze millions of home insurance quotes, and weigh publicly available reviews, claims payout rates, complaint indexes, financial strength scores, company reputations, and proprietary quoting data. Our editorial team applies this insight to inform our unbiased reviews and recommendations.