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2024

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Best Homeowners Insurance Agencies in Birmingham, AL

Our Recommended Top 10

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Birmingham 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.

139Reviewed

87Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

420 20th St N Suite 2215, Birmingham, AL 35203

Expertise.com Rating

Why choose this provider?

Unity AIA is an insurance company serving the Birmingham metro. It offers assistance in matters related to homeowners insurance, flood insurance, landlord insurance, personal cyber insurance, surety bonds, and renters insurance. It also handles coverage inquiries for pet insurance, condominium insurance, personal liability insurance, and landlord insurance. The company is led by Emmica Spencer, its Insurance Education Director with more than 14 years of experience in the insurance industry, and Jovanna Smith, an experienced insurance agent.

2225 Cahaba Valley Dr, Birmingham, AL 35242

Expertise.com Rating

Review Sources

Google
5.0 (4)

Why choose this provider?

Legacy Insurance - Birmingham is an independent agency that offers a wide range of services including home insurance. Its team provides home insurance plans that may include personal property coverage, property coverage, liability coverage, medical expenses coverage, and living expenses coverage. The agents also insure vacation homes, high-value homes, beach homes, and secondary residences. Legacy Insurance - Birmingham provides insurance quotations from over 20 carriers, including MetLife, Travelers, Progressive, Zurich Insurance Group, and Great American Insurance Company.

  • Personal Property Insurance
  • Multiple Policy Types

850 Corporate Parkway, Birmingham, AL 35242

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Alabama Insurance Agency, Inc. is an independent business serving Birmingham and the surrounding areas. Its team of professionals offers homeowner insurance services covering belongings, structures, and liability. The insurance agents from this firm also provide commercial vehicles, business owners, life, and other personal insurance solutions. They have a modern management system to help them manage accounts efficiently and accurately. Alabama Insurance Agency has access to more than 50 insurance providers.

  • Renter's Insurance
  • Flood
  • Condos

201 Office Park Drive, Birmingham, AL 35223

Expertise.com Rating

Review Sources

Google
4.4 (35)
Facebook
5.0 (13)

Why choose this provider?

Altasurance is an independent insurance company that has been serving the Birmingham metro area since 2009. The firm's agents assist homeowners in choosing the right insurance policy that will safeguard their properties and personal assets against damage, losses, and outlined unfortunate events. The company also provides insurance policies for landlords and renters. Other offerings include auto insurance, motorcycle insurance, recreational vehicles, life and disability policies, as well as small business and commercial protection.

  • Multiple Carriers
  • Multiple Policy Types

2421 2nd Ave N Unit 2, Birmingham, AL 35203
WebsiteLicense: 258847

Expertise.com Rating

Review Sources

Google
5.0 (26)

Why choose this provider?

Bentley Insurance is a non-affiliated family-run agency that serves Birmingham and the rest of the state. It offers property insurance, such as homeowners' and renters' policies, which financially protects the home and the policyholder's personal belongings. The agency also provides auto and commercial insurance products. Bentley Insurance was established in 1990 and also maintains offices in Alabaster and Tuscaloosa. One of its advisors, Hunter Bentley, has been in the insurance industry for a decade.

  • Renter's Insurance
  • Condos

122 N Chalkville Rd, Trussville, AL 35173

Expertise.com Rating

Review Sources

Google
4.0 (7)

Why choose this provider?

Founded in 1952, Best Insurance Group, Inc. provides homeowners of Birmingham with property damage and personal liability coverage. Its home insurance policies secure losses incurred from hazards such as falling debris, vandalism, fire, and hail. It also protects clients from lawsuits when accidents occur on their premises. Other damages covered include damages to external structures such as fences, sheds, and garages, living expenses, and medical expenses for injured guests. Best Insurance Group's other personal property policies include renters, condominium, RV, and specialty dwelling insurance.

  • Personal Property Insurance
  • Multiple Policy Types

5850 Valley Road, Birmingham, AL 35235

Expertise.com Rating

Review Sources

Google
4.8 (70)
Facebook
4.9 (27)
Yelp
5.0 (1)

Why choose this provider?

Located in Alabama, Guide Insurance is an independent insurance agency catering to individuals in Birmingham and the surrounding areas. It specializes in home insurance and tailors policies according to the options clients select, the clients' desired coverage, and the clients' limits. Its home insurance policies take into consideration the complete protection of homes, protection of the homeowners and other people, medical coverage, additional living expenses, protection of belongings, and personal property coverage. Other insurance products, such as auto, boat, motorcycle, and renters, are also available.

  • Multiple Policy Types

2101 Magnolia Avenue S Suite 400, Birmingham, AL 35205
WebsiteLicense: 732770

Expertise.com Rating

Review Sources

Google
4.9 (166)
Yelp
5.0 (1)

Why choose this provider?

Joshua Williams is a Birmingham-based insurance agent, who is affiliated with State Farm. He offers various risk management solutions, including homeowners' insurance, which reimburses losses from different perils such as theft and fire. He also writes policies for homeowners looking to protect personal belongings such as electronics, appliances, and furniture. Williams has a decade of industry experience. He is an active member of the community, who serves at his local church. He speaks Hindi and Gujarati.

  • Renter's Insurance
  • Personal Property Insurance

3148 Cahaba Heights Road, Vestavia Hills, AL 35243
WebsiteLicense: 79807

Expertise.com Rating

Review Sources

Google
5.0 (8)
Facebook
5.0 (6)

Why choose this provider?

Greenhalgh Insurance is an independent insurance agency that serves Birmingham and the surrounding areas. The locally owned family business has been in the industry for more than 84 years. It provides home insurance solutions, including flood, earthquake, rental and vacation homes, and homeowners' or renters' coverage. The company also offers auto, life, farm, and commercial insurance. In addition, business owners can choose from several policies like cyber liability, surety bonds, risk management, and business income protection insurance.

  • Life Insurance

300 Union Hill Drive, Suite 300, Birmingham, AL 35209

Expertise.com Rating

Review Sources

Facebook
5.0 (14)
Google
5.0 (2)

Why choose this provider?

O.M. Hughes Insurance provides financial protection solutions for clients in the Birmingham metro. Its team tailors various types of homeowners' insurance from a selection of carriers. It also crafts policies for rental properties and condominiums. The company helps businesses protect their assets by offering property, excess liability, and general liability insurance plans. It has been in the industry since 1945and is headed by Marvin Hughes, an Army veteran and a member of the Alabama Independent Insurance Agents.

  • Personal Property Insurance

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Unity AIA
420 20th St N Suite 2215, Birmingham, AL 35203
Legacy Insurance - Birmingham
2225 Cahaba Valley Dr, Birmingham, AL 35242
Alabama Insurance Agency, Inc.
850 Corporate Parkway, Birmingham, AL 35242
Altasurance
201 Office Park Drive, Birmingham, AL 35223
Bentley Insurance
2421 2nd Ave N Unit 2, Birmingham, AL 35203
Best Insurance Group, Inc.
122 N Chalkville Rd, Trussville, AL 35173
Guide Insurance
5850 Valley Road, Birmingham, AL 35235
Joshua Williams
2101 Magnolia Avenue S Suite 400, Birmingham, AL 35205
Greenhalgh Insurance
3148 Cahaba Heights Road, Vestavia Hills, AL 35243
O.M. Hughes Insurance
300 Union Hill Drive, Suite 300, Birmingham, AL 35209

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.
  • Is home insurance compulsory in Birmingham?

    Under the laws of Birmingham and the rest of Alabama, residents are not required to insure their homes. However, the case would be different if the home is being paid through a mortgage. In that case, the lending company or agency would usually require their clients to purchase home insurance as one of their conditions for loan approval.

  • What is usually included in a home insurance policy in Birmingham?

    Usually, home insurance policies in Birmingham provide these coverages. First is the dwelling coverage, which is financial protection for the house itself, such as the roof and walls, as well as attached structures like a carport or a porch. There is also coverage for the shed, fences, or other detached structures. Lastly, coverage for personal property is also often included, which pays for the repair or replacement costs in case personal items, such as furniture or clothing, are damaged.

  • What property types are usually covered by home insurance policies in Birmingham?

    In Birmingham, home insurance agencies usually provide coverage for single- and multi-family properties. Owner-occupied dwellings, or when the owner is also the one residing in the house, are also typically covered by home insurance policies. Condominiums, mobile homes, and manufactured housing are likewise covered. Properties that are typically built for investment properties are often approved for home insurance coverage, too.

  • What types of severe weather damage do home insurance policies in Birmingham usually cover?

    Any damage to your home caused by tornadoes or hurricanes is usually covered by home insurance, although there may be adjustments when it comes to wind damage. Most home insurance agencies in Birmingham also provide coverage for hail damage, which is usually evident on your roof. Standard home insurance policies cover damage caused by wildfires and lightning.

  • What should a homeowner do after a storm in Birmingham?

    The first thing that a homeowner should do is to document how the property looks like after the disaster for an accurate account of damage when you file a home insurance claim. Make a list of lost and damaged items and take photos and videos if possible. Then, take measures that will prevent further damage to your home. After that, contact your insurance agent or company so the recovery process can be started. Expect that a claims adjuster will assess the damage and explain the details to you.

  • 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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