Affordable homeowners insurance rates in Decatur, Alabama

Decatur is a city in Morgan and Limestone counties in Alabama. It's the county seat and largest city of Morgan County with a population of 54,478 as of 2019. The city's motto is: "A Grand City on a Charming Scale."

When you visit Decatur, you will clearly see why it is nicknamed the "The River City." You will enjoy the view of the banks of Wheeler Lake along the Tennessee River.

Let InsuranceHub show your homeowners insurance for you and you can really save on your rates in Decatur

Let's Talk Affordable Home Ownership

We provide free quotes to the following neighborhoods:

  • Albany
  • Downtown Decatur
  • East Acres
  • Old Decatur
  • Bank Street & Second Avenue
  • Harborview
  • Whiteside
  • Irvington
  • Bayside
  • Brookmeade
  • Burleson Mountain
  • Burningtree Mountain
  • Cedar Lake
  • Fairview
  • Flint
  • Hickory Hills
  • Indian Hills
  • Point Mallard Estates
  • Autumn Ridge
  • Austinville
  • Basham
  • Braswell
  • Cedar Ridge
  • Chapel Hill
  • Chula Vista
  • Deerfoot Estates
  • Dogwood Estates
  • Dunbarton
  • Flint
  • Graystone
  • Griffin Addition
  • Longleaf Estates
  • Moulton Heights
  • Oak Lea
  • Oakworth
  • Timberlake
  • Russell Village
  • Vestavia
  • West Decatur
  • Westmeade
  • Woodtrail

Review These Questions To Help Get Cheap Home Insurance in Decatur, Alabama:

The average home value of these was $162,726 as of 2019. So, how much will your home cost to protect? That will depend on quite a few determining factors, like the following:

How much does your home cost?

The average in this city is about $162,726. How does your home compare to this price?

How much would it cost to rebuild your home?

Tell your agent about all of the upgrades that your home may have.

What are your neighborhood's crime statistics?

As of 2021, the crime rate is 44.56 crimes per one thousand people. This makes it 59% higher than the national average rate. This means that you have a 1 in 242 chance of becoming a victim of a violent crime. tells us that the rate for property crime is 40.43 per one thousand population which includes motor vehicle theft, arson, larceny, and burglary.

Your zip code is also a determining factor in calculating your rates.

We provide free quotes for the following Decatur zip codes: 3560, 35602, 35603, 35609 & 35699

What weather conditions pose a threat?

Occasionally, severe thunderstorms occur in the spring and fall months, which can produce damaging winds, large hail, lightning and very heavy rain.

  • There is a very high risk for tornadoes here. In fact, it averages about 3 tornadoes a year.
  • There is a very low-risk hurricane zone here. Seven hurricanes within 150 miles have been recorded since the year 2000. The most recent hurricane was Lee in 2011. Tropical storms and hurricanes lose intensity as they hit this area but do bring heavy rains.
  • The Tennessee River and the Flint Creek can overflow and can cause flooding during the heavy rain season.
  • It has a very low earthquake risk, with a total of 6 earthquakes since 1931.

How close is your home to the nearest fire station?

The fire marshal tells us that fires can spread faster than you could ever imagine. That is why insurance companies give you a discount for living near the local fire house. There are 12 fire stations in this city. We suggest that you Google them to find out how close your home will be.

So, how can InsuranceHub save you on your homeowner rates in Decatur?

After over 30 years in the business, we have developed relationships with many of the top insurance carriers in the country like:

  • Nationwide
  • ASI
  • Universal
  • Safeco

Why not give us a try to see how easy it is to get a half dozen free quotes?

When you call us or complete our online form, your homeowners agent will help you to get the best rates possible for your home. All it takes is answering a few simple questions to help you to get every possible discount available to you. Your agent will also show you the trick to potentially save 25% or more by bundling your auto & homeowners policies.

Top Employers in Decatur:

  • General Electric
  • Decatur City Schools
  • Decatur General Hospital
  • 3M
  • Wayne Farms Fresh
  • United Launch Alliance
  • Nucor
  • City of Decatur
  • Wayne Farms East/West
  • Parkway Medical Center

Things to do in Decatur:

  • Alabama Jubilee
  • Decatur City Cemetery
  • Delano Park
  • Jack Allen Soccer Complex
  • Point Mallard Park
  • Spirit of America Festival
  • Riverfest
  • Racking Horse World Celebration
  • Wilson Morgan Park
  • The Spirit of America Festival

If you live in "The River City," then contact us for a cheap homeowners quote in Decatur right now.

Get started with the form below or pick up the phone to talk to one of our professionals at (877) 341-5728