Expertise.com
2024

Last updated:

Best Homeowners Insurance Agencies in Huntsville

Our Recommended Top 13

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 Huntsville Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

113

Reviewed

73

Curated

13

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
814a Palmer Road, Madison, AL 35758
  • Multiple Carriers
  • Flood
  • Fire
  • Earthquake
  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

Why choose this provider?

Legacy Insurance offers customized policies that cover property damage and liabilities for homeowners in Huntsville. An independent insurance agency, its coverage options secure costs for home repairs, lost valuables such as jewelry or electronics, living expenses, and medical expenses for parties injured on a client's premises. Legacy also provides insurance for other property types, including beach homes, high-value homes, rentals, vacation homes, and secondary residences. It offers other personal coverages such as condo, renters, and personal umbrella 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.
4.9
Google
4.9 / 5 (52)
Facebook
5.0 / 5 (10)

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
1505 Pulaski Pike, Huntsville, AL 35816
  • Renter's Insurance
  • Multiple Policy Types
  • Flood
  • Condos

Why choose this provider?

Budget Insurance Agency offers property damage coverage to homeowners in Huntsville. From losses to liabilities, the company's home insurance policy covers replacement or repair costs incurred from fires, theft, or vandalism, as well as medical expenses for guest injuries occurring within a client's premises. It also counsels clients on the scope of their coverage and factors that determine their policy decisions, including the cost of rebuilding and the process of filing a claim. Budget Insurance Agency also offers policies for condos, rental houses, and flood damage.

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.
4.1
Google
4.1 / 5 (99)

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.
3.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
5705 Marlin Road, Chattanooga, TN 37411
  • Multiple Policy Types

Why choose this provider?

Ramsey Family Insurance provides home insurance and other personal insurance policies for clients in the Huntsville area. This agency is committed to helping its clients understand what their policies cover and how the claims process works. Agents provide quotes based on simple information obtained from the client before shopping around for comprehensive policies from top carriers. In addition to home insurance, Ramsey Family Insurance also provides solutions for renters, drivers, and business owners.

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.
4.4

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.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
3013 Bob Wallace Ave, Huntsville, AL 35805
  • Earthquake
  • Multiple Policy Types
  • Multiple Carriers
  • Flood

Why choose this provider?

American Insurance Agency is a Huntsville-based firm that has been providing comprehensive insurance solutions since 1981. As an independent agent, the company works with different insurance carriers to help families, businesses, and individuals find deals that match their needs. Its insurance professionals assist homeowners in protecting their possessions from financial risks. They inform policyholders of home insurance coverage, including damages from disasters and legal liabilities for injuries, and walk clients through the process of claim applications and settlements.

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.
4.5
Google
4.4 / 5 (46)
Facebook
5.0 / 5 (4)

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
5506 Miller Drive, Chattanooga, TN 37411
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Greater Chattanooga Insurance offers insurance policies for homeowners in the Huntsville metropolitan area. This company is committed to finding adequate policies to protect its clients against financial hardship when disasters strike. Typical policies cover clients when events such as fire, storms, vandalism, or theft occur. In addition to homeowners insurance, this agency also offers an array of other products. That includes auto, watercraft, life, and commercial insurance coverage. Greater Chattanooga's carrier partners include SouthernTrust and The Hartford.

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

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
2400 Bob Wallace Ave SW STE 206, Huntsville, AL 35805
  • Flood
  • Multiple Policy Types
  • Multiple Carriers

Why choose this provider?

Burkett & Associates Insurance Agency, Inc. has provided personal and business insurance in the Huntsville area since 1991. They offer homeowners insurance policies, and as an independent insurance agency, they are able to show clients a wide range of choices with varying rates from different carriers. The coverage options include dwelling coverage, detached structure coverage, personal liability coverage, and additional living expense. The agency maintains a membership with the Strategic Insurance Agency Alliance.

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 (9)

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
3206 Dayton Blvd Chattanooga , TN 37415, Chattanooga, TN 37415
  • Multiple Policy Types
  • Fire

Why choose this provider?

Fields Insurance Chattanooga offers comprehensive homeowners' insurance policies in the Huntsville area and throughout Alabama. Its agents use a simple process to obtain quotes from top insurance carriers, including National General, Liberty Mutual Insurance, and Nationwide. They use their training and experience to provide clients with advice about coverage amounts and add-ons to their policies. Field Insurance is also authorized to sell insurance in five other states, including Florida and Tennessee.

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.
4.7

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
1017 Meridian Street North, Huntsville, AL 35801
  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Flood
  • Earthquake
  • Condos

Why choose this provider?

Jon Peters Insurance is a team of insurance professionals with an office in Huntsville. The agency offers a wide range of insurance services including homeowners' insurance. Home insurance policies include liability coverage, which helps protect clients against claims that involve personal injuries and property damage. Home insurance is also required by mortgage lenders. The agency's professionals work with various insurance carriers including Encompass, Hagerty, Travelers, and The Hartford. Jon Peters, the company's main agent, began his career in the industry in 2000.

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 (42)

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
3315 Bob Wallace Ave Suite 104, Huntsville, AL 35805
  • Multiple Policy Types
  • Multiple Carriers
  • Flood
  • Renter's Insurance

Why choose this provider?

The insurance agency Kilgro & Associates, Inc., provides homeowners' insurance policies to clients in Huntsville. It helps landlords and homeowners protect their assets from premises liability and property damages caused by various types of disasters. It is partnered with various insurance carriers to provide options that can address the client's coverage requirements. Some of these insurance providers include Universal Property & Casualty Insurance Company, Zurich Insurance, and Heritage Insurance. The company also offers flood and auto 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.
4.7
Google
4.6 / 5 (35)
Facebook
5.0 / 5 (15)

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
7595 Highway 72 West, Madison, AL 35758
  • Personal Property Insurance

Why choose this provider?

GEICO is a full-service insurance agency that serves Huntsville residents. The professionals offer a wide range of services including home insurance. The agents insure homeowners' personal property such as clothing, furniture, and appliances. Also included in homeowners' insurance policies is protection for jewelry including diamond bracelets, wedding bands, and engagement rings. The insurance specialist also offers policies on renters' insurance, condo insurance, and mobile home insurance. GEICO's team of agents provides customer support 24 hours a day.

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.
4.5
Google
4.2 / 5 (145)
Facebook
5.0 / 5 (83)
Yelp
3.0 / 5 (4)

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
507 Drake Ave SW Suite D, Huntsville, AL 35801
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

River Tree Insurance has been providing insurance solutions to individuals and commercial enterprises in Huntsville since 2009. The agency is an independent insurance broker established by Brannon King, who followed his great grandparents' footsteps in the insurance industry. Its agents work and connect with multiple carriers to select the right policies depending on their clients' situation. Property insurance coverages include medical, protection of home and belongings, additional living expenses, and scheduled personal property. When renting homes, landlords can purchase liability coverage as well.

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.
4.9
Google
4.9 / 5 (29)
Facebook
5.0 / 5 (5)
Yelp
5.0 / 5 (1)

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.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
4040 Balmoral Dr SW, Huntsville, AL 35801
  • Earthquake
  • Flood
  • Fire

Why choose this provider?

Rocket City Insurance Group is an independent insurance agency serving clients in Huntsville and the surrounding areas. Its 10-person team is equipped to assist individuals in choosing the right homeowners' insurance coverage for them. Home insurance agents connect with insurance companies and present policies to possible policyholders. The coverages under homeowners' insurance include property coverage, personal property, medical expenses, living expenses, and liability. Clients can also consider personal umbrellas and automobiles to their basic homeowners' policy.

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.
4.8
Google
4.8 / 5 (126)
Facebook
5.0 / 5 (11)
Yelp
5.0 / 5 (1)

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
2021 Clinton Ave W, Huntsville, AL 35805
  • Renter's Insurance
  • Multiple Policy Types
  • Condos

Why choose this provider?

Insurance Market is a firm in Huntsville that has been addressing insurance needs since 1957. This company partners with over 30 insurance carriers to aid homeowners and renters in finding appropriate coverage types for their investments. Its insurance professionals inform clients of coverage options and help ensure adequate financial protection in case of structural damage or loss due to coverable events. This financial risk mitigation also includes personal property loss and other expenses associated with covered damages.

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.
4.8
Google
4.8 / 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

Frequently Asked Questions

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • What does a basic homeowners’ insurance policy cover in Huntsville?

    Homeowners’ insurance policies in Huntsville cover structural damages to your dwelling, damaged personal belongings inside and on your property, liability protection for other people’s injuries and property damages, and additional living expenses while your house is under restoration. Perils that homeowners’ insurance usually covers include fire, lightning, hail, vandalism, and theft. Meanwhile, you may need to purchase additional coverage for expensive personal belongings and damages due to flood or earthquake.

  • Is homeowners’ insurance required in Huntsville?

    No. Alabama has no law requiring you to have homeowners’ insurance if you own a house. However, if you are acquiring a house in Huntsville through a mortgage, you should get a policy, as lenders require it for a loan. In addition, you have to keep the house covered by homeowners’ insurance until the mortgage is paid off.

  • What factors affect the price of homeowners’ insurance in Huntsville?

    Factors that Huntsville insurance companies look at when calculating the policy price include the property’s age, construction type, and distance to the nearest fire department or hydrant. Insurance for brick houses or newly constructed properties would cost less than old homes in isolated areas. Your personal preferences, such as the amount of coverage you desire and the amount of deductible you are willing to pay, also play a significant role in determining the cost of your premium.

  • Why should you choose replacement cost over actual cash value coverage when buying homeowners’ insurance in Huntsville?

    With actual cash value coverage, the insurer will pay for a damaged item’s replacement cost less depreciation. If a tornado blows off your 10-year-old roof, the insurance company will only pay for the cost of an old roof. You need to pay the difference to install a new roof. Meanwhile, with replacement cost coverage, the Huntsville insurer pays for the damaged item's replacement at the current market value. The expense of a completely new roof will be covered.

  • How much is the average cost of homeowners’ insurance in Huntsville?

    According to data gathered from insurance companies by independent insurance broker Policygenius, homeowners’ insurance in Alabama costs $1,940 on average annually. Specifically for Huntsville, the average annual cost is $1,771. These rates are slightly higher than the national average of $1,754. This is due to the state's proximity to the Gulf Coast and location within Dixie Alley, an area prone to frequent tornadoes.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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