Home Insurance in Huntsville

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Finding the Best Home Insurance in This Heritage Town

The growing city of Huntsville sits in northern Alabama with a population of 215,070. Cradled by the Tennessee River and the edge of the Appalachian Mountains, this city is a combination of natural beauty, rich history and diversity. Here, you'll find the U.S. Space and Rocket Center and NASA's Marshall Flight Center. Residents in this area need reliable home insurance in Huntsville that keeps them covered.

Details About the People and the Region

In Huntsville, the median property value is $199,000 and continues to grow. Homeownership rates in the city are nearly 70%, showing a community of owner-occupied properties. The biggest perils that could impact Huntsville residents are severe thunderstorms, floods, tornadoes and crime. Although Huntsville is not located in an area known for tornadoes, recent years have seen an uptick in tornadic activity.

Floods may be a problem since the Tennessee River is close to most residents in the city. Additionally, Huntsville has one of the highest rates of lightning strikes in the country, meaning homes are especially vulnerable to lightning damage. A more common occurrence in the city is becoming a victim of crime. There is a 1 in 25 chance of being a property crime victim in this area, making home insurance a necessity.

Pricing Home Insurance

Costs are rising all over the country, so it's important to use tools like VIU by HUB to get the most competitive rate for your home insurance in Huntsville. You can expect to pay about $2,195 per year for home insurance in this area, a little higher than the national average of $1,428. This is the average for a home worth $250,000.

In Huntsville, some areas may pay slightly higher than the city's average for home insurance. Hobbs Island, Mooresville and Redstone Arsenal are closest to the river and may experience more flooding problems. Additionally, some parts of the city, such as Lincoln, Greenhill and Fanning Manor, have more property crime incidents, so home insurance rates may go up. Using VIU by HUB could help residents in any neighborhood save more on their home insurance in Huntsville.

How Home Insurance Works

When you obtain a mortgage or purchase a home, you may be required to buy home insurance. Your insurance agent can explain how your coverage will work. First, your insurance company may gather the following information about your home in Huntsville:

  • value, location and age of the property
  • square footage of the property
  • added safety features, such as a burglar alarm

When you get a quote for home insurance in Huntsville, it often includes basic dwelling insurance, personal property and liability coverage. These components protect your home and the items inside of it from dangers such as fire, storms, lightning, vandalism, wind or theft. Liability coverage kicks in if someone gets injured on your property and covers medical or legal expenses.

Determining What You Need for Home Insurance

When you're ready to move forward with home insurance in Huntsville, you can get more information about pricing and specific coverage limits from various insurers by using VIU by HUB. It's normal to feel overwhelmed by the process of choosing home insurance. For many people, the home is the largest asset and a sanctuary for the family. Opt to protect yourself, your financial health and your family from potential disaster by comparing home insurance quotes.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


Official Huntsville Site



Madison County Emergency Management

Neighborhood Scout



Home insurance in Alabama by city

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