Home Insurance in Montgomery

Learn what you need for coverage of your property by checking out different options and quotes for home insurance in Montgomery.
Compare, shop and customize quotes from top-rated insurance carriers.

Secure Home Insurance in Alabama's Capital City

Founded in 1819, Montgomery, Alabama, has been a hub of history and culture since it was first settled. This city was also a central location in the story of the Civil Rights movement in the 1960s. Today, people in the city enjoy its rich diversity and amenities. Home insurance in Montgomery is much easier to find if you comparison shop with VIU by HUB.

Residents of Montgomery and Lifestyle

There are 200,586 residents living in the city, and about 33% of the people have a college degree.  The median age in the city is 36, and the homeownership rate in Montgomery is over 53%. Living here is pleasant, with multiple parks, employment opportunities and universities. Finding home insurance in Montgomery isn't difficult if you get help from VIU by HUB.

Some risks in this city that could impact your home are crime and severe weather. Crime can be a problem in some parts of the city. Without a burglar alarm, residents in Montgomery are 300% more likely to be robbed. Areas by the West End and the Air Force base have the highest crime rates and may pay more for home insurance in Montgomery.

The humid subtropical climate in Montgomery means very hot summers and the potential for severe thunderstorms, tornadoes and wind damage. Extreme heat may also cause potential property damage, so home insurance is vital to residents in the city.

Making Home Insurance Fit Your Budget

There are lots of ways you can get an affordable rate for your home insurance. It's important to compare quotes with a tool like VIU by HUB so you don't pay more than you have to. Montgomery's average home insurance price per year is $1,950, lower than the state average. Other parts of the state may pay more due to more severe weather issues or flood risks.

Home insurance is also priced for other factors, such as someone's individual credit score or claim history. The home's history, square footage, age and safety features may also influence how much insurers price a policy. Homes with sprinklers, hardwired smoke detectors and burglar alarms may get discounted rates. 

Home Insurance Facts in Montgomery

Home insurance is typically required when you finance your home through a lender. Even if it's not mandated that you get home insurance in Montgomery, it's a good choice to protect your investment in your property. Here are the basics of home insurance:

  • Dwelling Coverage - covers your home in case of fire, weather damage, vandalism or theft
  • Personal Property Coverage - protects the belongings in your home if something happens
  • Liability - provides coverage for medical or legal costs if someone gets hurt on your property

Home Insurance Add-Ons

Sometimes, standard coverage needs to be supplemented with a few extras. Homeowners who live near water or in a flood zone may need flood insurance to cover their property. Property owners who rent out their homes via Airbnb or other sites may also need home-sharing insurance as an add-on.

Customizing Your Coverage for Your Needs

VIU by HUB is a good place to start when you first search for home insurance in Montgomery. You can see all of the different possible options for coverage in your area and get specific details about pricing. Research each insurance policy company and their coverage options to find what you need for your property.

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



Crime Grade

Risk Factor

Nerd Wallet

Home insurance in Alabama by city

Understand risks, minimum state coverage requirements, average costs and other specifics that can impact auto insurance policies and premium rates in your city.