From Huntsville to Birmingham and everywhere in between, Alabama homeowners have put down roots. Your home is where you and your family will make a lifetime of memories. That's why it's so important to protect your home with the right insurance policy. Nationwide offers Alabama homeowners insurance that provides reliable protection at rates you can afford. We also offer homeowners insurance discounts to reward our members even more. If you're looking for dependable home insurance in Alabama, start your homeowners insurance quote today with Nationwide.

Alabama homeowners coverages and discounts

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Homeowners insurance can protect your home against theft, fire, lawsuits, weather damage and other covered losses.

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Repair or replace your covered possessions, regardless of age or condition.

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Making your policy more affordable.

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What factors go into determining a homeowners insurance rate?

While the average cost of homeowners insurance varies based on a number of components, these are common factors that insurance companies use to assess risk and determine your rate:

Location

Location includes the state, ZIP code, and claims history of the area.

Construction

The materials that were used to build the house. If a custom home is being built additional coverage may be required to cover the construction site.

Age of the house

How new or old the house is, and the upgrades that were made to an older home.

Replacement cost

The replacement cost is the cost of fully rebuilding the same house. This is typically assessed by an appraiser.

Swimming pool

Owning a swimming pool may increase your liability coverage to cover possible injuries.

Home-based business

If you a run a business out of your home your premium may increase to cover the inventory, equipment, and supplies.

Coverage

The type of coverage you choose and how much personal property and liability protection you want your home insurance policy to cover.

Policy features that may meet the needs of Alabama homeowners

Whether you live in a farmhouse outside of Montgomery, a two-story in Mobile, or in a townhouse in downtown Tuscaloosa, you can still get the best homeowners insurance in Alabama. Here are a few of the great policy options you can get with Nationwide.
  • Water backup1 can help protect you from losses caused by backed-up sewer or drain water.
  • Identity theft protection helps defend you against fraud and identity theft and can stop damages to your credit within minutes.

Nationwide agents throughout Alabama are ready to assist you

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We have Nationwide agents throughout Alabama.

Get a free Alabama homeowners insurance review

A Nationwide On Your Side® Review is a free, annual consultation and insurance assessment that can help you:
  • Increase or decrease your deductible(s)
  • Determine the home insurance coverage options that are right for your budget and situation. For instance, did you recently build a garage or gazebo you need covered? Have you installed a protective device that could qualify you for a discount? The On Your Side® Review is a great time to make these types of updates to your policy.
  • Review our responsive home insurance claim policy
Call Nationwide at 1-877-On-Your-Side and get your Alabama homeowners insurance quote today.

Nationwide coverage in Alabama

[1] Water Backup is an optional feature. Exclusions and limits apply. Details vary by state and policy language. Please consult your policy for the specifics of your selected coverages.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply.