Expertise.com
Get Listed

2024

Last updated:

Best Renter's Insurance Companies in Birmingham

Our Recommended Top 5

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Birmingham Renter's Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

88Reviewed

54Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
201 Office Park Drive, Birmingham, AL 35223
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Altasurance is an insurance brokerage in Birmingham that offers individual, group, and commercial insurance lines to clients in the metro. The firm is headed by Henry Glover Jr., an insurance agent who has been in the industry for over a decade. It offers renters' insurance solutions that cover personal belongings, liabilities, and other assets that are not covered by the landlord's policy. It also provides coverage for possible living expenses caused by losses and disasters.

License Verified:

License: 418494

Alabama Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.0 / 5 (35)
Facebook
5.0 / 5 (13)

Website
1900 Crestwood Boulevard, Birmingham, AL 35210
  • Multiple Policy Types

Why choose this provider?

Pat Lowe is an Alabama-based State Farm insurance agent serving families and individuals in Birmingham. She is a Chartered Property Casualty Underwriter who offers fully customized renters' insurance plans with options for combined policies, such as renters' and auto insurance. She also provides other property insurance packages, including ones for condos, manufactured homes, rental properties, and farms and ranches. Lowe has been with State Farm since 1980 and is committed to assisting her clients obtain comprehensive protection from everyday risks and unexpected disasters.

License Verified:

License: 456319

Alabama Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (11)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
7018 Gadsden Highway, Trussville, AL 35173
  • Multiple Policy Types

Why choose this provider?

The Grogan Agency offers insurance services to renters in Birmingham and the surrounding areas. The company has insurance agents who provide packages that are customized to fit their needs. They can help craft policies that cover a renter's personal possessions. Moreover, they also help policyholders protect themselves in case of theft and damage on their rental property. The agency's founder, Jay Grogan, began his insurance career in 1996 by offering personal and commercial insurance plans.

License Verified:

License: 161588

Alabama Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (41)
Facebook
4.0 / 5 (14)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
819 3rd Avenue North, Birmingham, AL 35203
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

All American Insurance provides solutions to Birmingham individuals who are looking for renters' insurance. This independent insurance agency also helps clients in securing policies for their vehicles and homes. Its insurance specialists assist its customers in securing insurance plans in cases of disasters like fire or natural calamities that may require them to repair or rebuild their properties. Moreover, they represent insurance carriers that include Safeway Insurance, National General Insurance, and ACC Insurance Company. All American Insurance was established in 1975.

License Verified:

License: 79870

Alabama Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (94)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
13521 Old Highway 280 Ste. 101 C, Birmingham, AL 35242
  • Multiple Policy Types

Why choose this provider?

Diamond Assurance Group is a Birmingham-based agency that offers personal and commercial lines of protection. Included in its products is renters' insurance, which reimburses losses from a number of perils, including falling objects, theft, vandalism, and riots. It also covers damage resulting from lightning, windstorms, and smoke. Its agents review plans from different providers to find suitable coverage options for clients. These providers include Tower Hill, Bristol West, and Liberty Mutual. Diamond Assurance Group's other products include condo and mobile home insurance.

License Verified:

License: 3001000966

Alabama Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (71)
Facebook
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Back to top

FAQs

  • Could you save money by including your roommate on your Birmingham renters' insurance policy?

    You may save a little money on your regular monthly renters' insurance premium in Birmingham if you and your roommate divide the cost, but difficult situations may arise if your roommate is unreliable in splitting the expenses, if you split up before the insurance ends, or if one of you needs to file a claim. You can spend more money in any of these situations than you initially saved.

  • How does a roommate's departure from a rental property affect a renters' insurance policy in Birmingham?

    It is dependent upon the wording of the Birmingham renters' insurance policy. Usually, coverage continues for the guest staying at the rented property. If it is feasible, the other roommate should get their name removed from the policy in order to lower the renters' insurance payment or, at the least, give their portion back to the other roommate informally.

  • Does your Birmingham renters' insurance coverage cover your spouse?

    All members of your household who are linked to you by blood, marriage, or adoption are automatically covered by renters' insurance policies in Birmingham, including your spouse. Just be sure the coverage amount you purchase is sufficient to protect each named insured under your policy. Don't forget to account for everyone's jewelry, appliances, gadgets, and clothes.

  • If something you own is stolen outside of your flat, are you still covered by your Birmingham renters' insurance policy?

    Your personal belongings are covered by your Birmingham renters' insurance coverage even if they are stolen from outside your rental unit. For example, you are covered up to the personal property limit of your policy, less your deductible, if your laptop is stolen from your neighborhood coffee shop or your bike is taken from in front of your rental home.

  • What distinguishes replacement cost from actual cash value in Birmingham renters' insurance policies?

    The actual cash value renters' insurance will pay out depends on how much an item is currently worth. Thus, you would collect far less money now if you had paid $500 for a TV five years ago and it was stolen. Conversely, replacement cost renters' insurance in Birmingham covers the cost of replacing the covered item. You may receive $500 to purchase a new TV if your old one has been stolen or damaged by a covered risk.

Back to top

Related Articles

FeaturedHome-Remodel-Hero

Survey: COVID-19 Pandemic Leads to Surge in Demand for Renters Insurance

We surveyed 1,000 renters in the U.S. to see how the pandemic changed their thoughts about renters insurance, what they look ...

Find top Renter's Insurance Companies nearby

Search for Renter's Insurance Companies near you

Other top picks in your area