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2024

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Best Homeowners Insurance Agencies in Tuscaloosa, AL

Our Recommended Top 9

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 Tuscaloosa 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.

64Reviewed

42Curated

9Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

902 Main Avenue, Suite C, Northport, AL 35476

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Alabama Insurance Agency, Inc., serves clients in Tuscaloosa and nearby counties. The company meets with clients to talk about different homeowners' insurance plans to fit their needs. It pays for the repairs and replacements needed due to damages caused by burst pipes, fires, or extreme winds. The company's policies cover the roof and walls of the house, the belongings inside, and the health and safety of guests and residents. The company was founded over 30 years ago and covers commercial vehicles and business owners, as well.

  • Fire
  • Multiple Policy Types

3920 McFarland Boulevard, Northport, AL 35476

Expertise.com Rating

Review Sources

Google
4.7 (13)
Facebook
3.9 (1)

Why choose this provider?

Michael Noe Insurance Agency is an Alabama-based insurance agency that serves clients in the city of Tuscaloosa and the surrounding areas. The agency's team of home insurance specialists is experienced in working out client needs and finding the right coverage for their properties. The team provides personalized homeowners insurance policies to ensure every client asset, such as their valuables, is covered and protected. Michael Noe Insurance Agency, which has been in operation for over a decade, is currently licensed in the states of Alabama, Mississippi, and Tennessee.

  • Multiple Carriers
  • Multiple Policy Types
  • Personal Property Insurance

Tuscaloosa, AL

Expertise.com Rating

Why choose this provider?

The Nowell Agency Inc. serves the Tuscaloosa metro area and helps clients with a full range of needs as they shop for homeowners insurance and solidify policies. This agency sells policies that cover homes, furnishings, additional structures, and any personal liabilities involving guests. Its agents can also help to select plans that cover medical expenses and living expenses if clients are hurt or displaced after natural disasters. Auto insurance and boat insurance coverage options are available.

  • Personal Property Insurance
  • Multiple Policy Types

1120 Queen City Avenue, Tuscaloosa, AL 35401

Expertise.com Rating

Review Sources

Google
5.0 (6)

Why choose this provider?

Pritchett-Moore Insurance secures the homes and other assets of homeowners in Tuscaloosa and the surrounding communities. The policies and coverages offered by this homeowners' insurance agency include property replacement for when anything happens to a client's home and their personal belongings. It also offers liability protection to cover the expenses when a guest is hurt within the property, or when a family member or a pet accidentally injures someone else. Pritchett-Moore Insurance also covers loss of use and other structures within the property.

  • Multiple Carriers
  • Multiple Policy Types
  • Personal Property Insurance

1712 Hackberry Lane, Tuscaloosa, AL 35401

Expertise.com Rating

Review Sources

Google
5.0 (12)
Facebook
5.0 (2)

Why choose this provider?

Baldo-Downs Insurance, LLC, is a family-owned and operated insurance agency in Tuscaloosa established in 2013. It offers multiple insurance policies that include personal lines and commercial lines. The agency's homeowners' insurance policy helps clients protect their homes from disasters and also file claims against losses. The agency also covers personal liability exposures so one is protected from lawsuits. Baldo-Downs Insurance's other policies cover auto, car, boating, life, renters, and umbrella insurance.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

2105 Jack Warner Parkway, Tuscaloosa, AL 35401

Expertise.com Rating

Review Sources

Google
4.2 (13)

Why choose this provider?

The Insurance Center is a long-time homeowners' insurance agency that has been serving families and property owners in the Tuscaloosa area for four decades. Since 1981, the insurance company has been helping the city's residents in getting home insurance policies that can cover their primary home, liabilities, personal possessions, and losses caused by a natural disaster. The insurance specialists of the agency also offer supplemental insurance to their clients, such as animal liability, jewelry, and umbrella insurance.

  • Multiple Policy Types

2600 6th Street, Tuscaloosa, AL 35401

Expertise.com Rating

Review Sources

Google
4.6 (22)
Facebook
5.0 (11)

Why choose this provider?

Amy Corbin, State Farm Insurance Agent, can assist clients with homeowners insurance policies by helping them to create package policies and purchase them through State Farm and affiliated carriers. This agency can give clients information or advice on any of their insurance needs and procure coverage for their homes and personal possessions. Amy Corbin, State Farm Insurance Agent, also sells condo insurance and renters insurance plans. Auto and business insurance policies are available.

  • Personal Property Insurance

2201 Paul William Bryant Drive, Tuscaloosa, AL 35401

Expertise.com Rating

Review Sources

Google
4.0 (5)
Facebook
5.0 (3)

Why choose this provider?

Capstone Insurance caters to the insurance needs of homeowners and business property owners in Tuscaloosa and the neighboring areas. The homeowners' insurance policy protects the client financially in the case of damage due to disasters, such as fire, smoke, hail, theft, or vandalism. Each policy is customized depending on the losses covered, the kinds of coverages included, and the type of residence the client owns. The company has been in the industry for nearly 30 years.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

1120 Queen City Avenue, Tuscaloosa, AL 35401

Expertise.com Rating

Review Sources

Facebook
5.0 (59)
Google
5.0 (5)

Why choose this provider?

Pritchett-Moore Inc. serves the Tuscaloosa metro area and provides clients with access to a variety of insurance services when they need to purchase homeowners insurance or make claims related to existing policies. This agency offers comprehensive insurance plans that cover dwellings, other structures, personal property, and loss of use as well as personal liability. Agents are available to advise clients on these policy aspects and help them to select coverage amounts that fully protect them.

  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Alabama Insurance Agency, Inc.
902 Main Avenue, Suite C, Northport, AL 35476
Michael Noe Insurance Agency
3920 McFarland Boulevard, Northport, AL 35476
The Nowell Agency, Inc.
Pritchett-Moore Insurance
1120 Queen City Avenue, Tuscaloosa, AL 35401
Baldo-Downs Insurance, LLC
1712 Hackberry Lane, Tuscaloosa, AL 35401
The Insurance Center
2105 Jack Warner Parkway, Tuscaloosa, AL 35401
Amy Corbin - State Farm Insurance Agent
2600 6th Street, Tuscaloosa, AL 35401
Capstone Insurance
2201 Paul William Bryant Drive, Tuscaloosa, AL 35401
Pritchett-Moore, Inc.
1120 Queen City Avenue, Tuscaloosa, AL 35401

FAQs

  • 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.
  • How much does homeowners’ insurance cost in Tuscaloosa?

    In Tuscaloosa, the average annual homeowners’ insurance premium for a dwelling coverage of $250K is $1,520. This is only slightly higher than the national average cost of $1,428 per year. One factor that may influence high insurance rates in Alabama is its vulnerability to tornadoes, hurricanes, and widespread flooding.

  • How can Tuscaloosa residents lower their homeowners’ insurance premiums?

    Residents of Tuscaloosa may be able to obtain lower homeowners’ insurance premiums if they have a credit score of at least 700. Installing security features such as smoke detectors and deadbolt locks may also qualify policyholders for discounts. In addition, those who have masonry homes tend to have lower premiums than those with wooden frame homes.

  • What is the difference between HO3 and HO5 policies in Tuscaloosa?

    The main difference between HO3 and HO5 homeowners’ insurance policies is that the latter are “replacement cost value” policies that reimburse homeowners for however much it would cost to completely replace or repair the damaged or destroyed item. Meanwhile, HO3 policies only reimburse homeowners for the actual value of a damaged or destroyed item.

  • Does Tuscaloosa homeowners’ insurance cover flood damage?

    While most homeowners’ insurance policies in Tuscaloosa cover damage from tornadoes to the structure of one's home, outbuildings, and personal belongings, flood damage is unlikely to be covered. Because Alabama is home to many areas that are vulnerable to flooding, homeowners may have to purchase a separate flood policy underwritten by the National Flood Insurance Program.

  • What contributes to liability risk in Tuscaloosa homeowners’ insurance policies?

    One of the main factors that increase liability risk in Tuscaloosa is an attractive nuisance, which includes pools, trampolines, and playground equipment. In homeowners’ insurance policies, liability coverage provides financial protection in the event that a homeowner is found liable for injuries someone sustains on their property. Policies typically have at least $100,000 of liability coverage.

  • 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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