Home Insurance in Alabama averaged $1,906 a year in 2023, 10% above the national average, per the NAIC, plus the rules that shape your policy.
What home insurance costs in Alabama
Homeowners in Alabama paid an average of $1,906 a year on a standard HO-3 policy in 2023, 10% above the national average of $1,737. HO-3 is the form most owner-occupied homes are written on; averaged across every owner-occupied and dwelling-fire form the figure is $1,862.
Alabama rules worth knowing
HO-8 (older homes, repair-cost basis): $1,215 a year
