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home in Alabama

They call it "Sweet Home Alabama" for a reason. Homeowners in The Heart of Dixie enjoy warm southern weather and rich cultural traditions like college football and soul food. Whether you've made your home in Huntsville, Birmingham or anywhere else in the Yellowhammer state, you'll want to ensure it’s safe for the long run. Keep it protected with flexible, reliable coverage from Nationwide.

Nationwide offers Alabama homeowners insurance that provides reliable protection at rates you can afford. We also offer homeowners insurance discounts to reward our members even more. Start your homeowners insurance quote today with Nationwide.

Alabama homeowners coverages and discounts

What we can cover

Homeowners insurance can protect your home against theft, fire, lawsuits, weather damage and other covered losses.

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Brand New Belongings®

Repair or replace your covered possessions, regardless of age or condition.

Get Brand New Belongings®

Homeowners insurance discounts

Making your policy more affordable.

See how you can save

Bundle your insurance policies and save money

Know what else is sweet? Saving money! You can save up to 20 percent when you bundle your home and auto insurance with Nationwide. That's more money you can spend perfecting your white sauce recipe, getting to this year's Iron Bowl, or taking care of that home improvement project you've been putting off. You can also bundle other coverages such as boat and auto, multicar, and auto, home and life insurance. Get all the coverage you need in one place and save more of your money for enjoying everything Alabama has to offer.

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What factors go into determining a homeowners insurance rate?

While the average cost of homeowners insurance varies based on a number of components, these are common factors that insurance companies use to assess risk and determine your rate:

Location

Location includes the state, ZIP code, and claims history of the area.

Construction

The materials that were used to build the house. If a custom home is being built additional coverage may be required to cover the construction site.

Age of the house

How new or old the house is, and the upgrades that were made to an older home.

Replacement cost

The replacement cost is the cost of fully rebuilding the same house. This is typically assessed by an appraiser.

Swimming pool

Owning a swimming pool may increase your liability coverage to cover possible injuries.

Home-based business

If you a run a business out of your home your premium may increase to cover the inventory, equipment, and supplies.

Coverage

The type of coverage you choose and how much personal property and liability protection you want your home insurance policy to cover.

Find Nationwide insurance near you in Alabama
Save up to 20% when you bundle auto and home insurance with Nationwide
Get a free quote

Get a free quote from Nationwide

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Get a free, customized homeowners insurance quote online.

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Call

Give us a call to get your free homeowners insurance quote.

Call 1-888-869-5727

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Find an agent

Find a Nationwide insurance agent near you in Alabama.

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Get a free Alabama homeowners insurance review

A Nationwide On Your Side® Review is a free, annual consultation and insurance assessment that can help you:
  • Increase or decrease your deductible(s)
  • Determine the home insurance coverage options that are right for your budget and situation. For instance, did you recently build a garage or gazebo you need covered? Have you installed a protective device that could qualify you for a discount? The On Your Side® Review is a great time to make these types of updates to your policy.
  • Review our responsive home insurance claim policy
Call Nationwide at 1-877-On-Your-Side and get your Alabama homeowners insurance quote today.

Nationwide coverage in Alabama

Auto insurance

Find auto coverages and discounts for your state.

Renters insurance

Find renters coverages and discounts for your state.

Motorcycle insurance

Find motorcycle coverages and discounts for your state.

On Your Side® Review

Make sure your insurance keeps up with your life.

[1] Water Backup is an optional feature. Exclusions and limits apply. Details vary by state and policy language. Please consult your policy for the specifics of your selected coverages.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply.