Homeowners Insurance in Auburn, Alabama (2025)

Nestled amongst the towering Alabama whistling pines, Auburn is home to the famous university of the same name and an abundance of outdoor activities for its full- and part-time residents.h

Auburn residents are in luck when it comes to homeowners insurance as well. Due to its geographical location and other varying factors, it shares the title of having some of the lowest homeowners rates in the nation. Let’s take a look at what you can expect to pay, what factors are at play in determining rates and much more.

The average cost of homeowners insurance in Auburn, Alabama is $2,028 per year, which is right around the statewide average premium of $2,058 annually. But your premiums depend heavily on the value of your house, among other factors.

While Auburn is one of the largest and fastest-growing cities in Alabama by population, home insurance premiums remain in the average range for the state. 

Several factors affect insurance rates. One of the main differentiating factors in premium pricing is home value, which insurers normally determine using your home’s replacement cost. Replacement cost is the amount it would cost to rebuild your home based on construction, labor, and materials expenses. The more a house costs to build, the more it will cost to insure.

Several more details about your property and personal characteristics, such as your claims history, can affect how much you pay for insurance, as well. We will explain a few more of these shortly.

Every standard homeowners insurance policy, no matter where you’re located, comes with six different coverages. Each coverage is designed to protect something associated with your home, property or finances in a unique way if damaged by a covered peril on your policy.  Let’s break them down.

The first coverage is dwelling, which protects the actual structure of your home. This coverage comes in two forms, replacement cost and market value.

The second form of property protection is other structures coverage. It’s exactly what it sounds like. This coverage pays to repair or replace structures on your property that aren’t connected to your house. These are things like detached garages, carports and fences.

Its maximum coverage per claim is typically up to 10% of your dwelling value. So homeowners with $150,000 in dwelling coverage would have $15,000 in other structures coverage and homeowners with $300,000 in dwelling coverage would have $30,000 in other structures coverage.

Personal property coverage is next on the list. It’s designed to protect the personal belongings you keep inside your home and on your property. These are things like furniture, electronics, clothes and jewelry. You get to choose how much coverage you enroll in, so you’ll want the maximums to match the value of all your belongings combined.

The easiest way to determine the value of your belongings is to compile a home inventory of your contents. But keep in mind that high-value items like jewelry, art and collectibles have different coverage outlines than your other belongings. They’ll need to be scheduled in order to receive coverage for their total value.

If your house is damaged or destroyed and needs to be repaired or rebuilt, causing you to have to temporarily move out in the process, loss of use coverage can reimburse you for additional living expenses you incur while you’re forced out of your home. These are expenses like a rental home of equivalent value, storage fees for extra belongings and pet boarding for your furry family members.

Coverage E, the liability portion of your policy, kicks in if someone is injured on your property, your pet bites someone on or off your property, or if you accidentally damage someone else’s property. While policies typically come standard with at least $100,000 worth of coverage, policyholders get to determine the amount of coverage they need.

Many insurers offer up to $500,000 and some offer up to $1 million in coverage. However, crossing that threshold may require you to purchase additional insurance called an umbrella policy. Umbrella policies usually start at $1 million worth of coverage and can be added to in increments of $1 million.

The last piece of your coverage is medical payments coverage, which is similar to liability in retrospect. However, medical payments coverage only covers minor medical expenses for people injured on your property. But it doesn’t matter if you’re found liable.

Many different factors are at play when determining homeowners insurance prices. The most notable being the coverage maximums on your policy. The higher your maximums, the more your insurer will have to pay in the event of an unexpected peril. That also means you’ll pay more in premiums to offset the out-of-pocket risk taken on by your insurer.

The build of your home is also at the forefront of pricing. Homes made of masonry materials, such as brick and concrete, usually cost less to insure than homes made of wood. That’s because masonry materials are stronger than their wooden counterparts and better withstand heavy winds and other natural disasters.

Since Auburn is susceptible to tornadoes and even strong hurricane winds coming in from the Gulf of Mexico that haven’t quite subsided, factoring in the potential of wind damage to policy premiums is key for insurers.

Additionally, beginning in late 2024, insurers will also provide coverage for catastrophic ground cover collapse, with the option for additional sinkhole coverage for those in areas susceptible to sinkholes. 

Flood damage isn’t covered by homeowners insurance, so you’ll need a separate flood insurance policy to be covered from the costly perils caused by floods. Since they’re fairly common in Auburn, and extremely costly, securing a policy to protect your home is a great option.

Getting an affordable homeowners insurance policy in Auburn is quick and easy when you use Clovered. Simply enter a few details about your home in our online quoting tool, we’ll do all the hard work on the back end and then we’ll pair you with a policy that fits your needs and your budget.

We’re always here to help. If you’d rather speak to a licensed agent on the phone, just call 833-255-4117 Monday through Friday from 8:30 a.m. to 6 p.m. Or you can email us anytime at agent@clovered.com.