Decatur, AL Home Insurance Quotes
Decatur home insurance quotes help you protect your most valuable asset.
Approximately 58,000 people called Decatur, Alabama, home as of July 2022. The population size and mix of employment opportunities make this an ideal city for families and anyone looking to settle in a city that offers more than a small town without moving to an urban area. The cost of living is 3.8% below the national average, another appealing feature for working families and retirees. About 2/3 of Decatur residents own their houses, a sign they are willing to make this river city home long-term.
Residents in Decatur enjoy the city's extensive recreational offerings, and the mild climate makes outdoor activities comfortable most months of the year. Point Mallard is a massive recreational complex that includes golfing, camping and a full-size water park. The Jack Allen Recreation Complex is a 27-acre, award-winning sports park with state-of-the-art football and soccer fields. Around the city of Decatur, residents can swim, enjoy all kinds of sports and even go figure skating.
Getting around Decatur is easy. Interstate 65 runs through the city from north to south, with I565 running east to west. US 72 and US31 provide alternatives to the interstate system for drivers who prefer highway miles. North Central Alabama Regional Council of Governments Transit provides public transportation in Decatur, so residents without a car can still travel around the city affordably.
Residents in this beautiful southern city love the location along the Tennessee River. However, homeowners in Decatur, Alabama, face some unique risks to their properties. Life on the water this far south means heat and humidity in the summer and a higher-than-average risk of tornados and severe storms year-round. Heavy snows are rare in Decatur, but when winter weather does set in, it can cause significant damage. These weather factors make the right homeowners' insurance protection a must-have, and VIU by HUB is here to help.
Decatur homeowners also risk property damage from criminal activity. The property crime rate in Decatur is significantly higher than the national average at 61.7 incidents per 10,000 people in the population compared to 35.4 for the United States. Property owners want to ensure their coverage protects against vandalism, break-ins, theft and other damage. VIU by HUB can help homeowners with Decatur home insurance quotes for the right kind of coverage at rates that fit their budget.
Largely due to the higher risk for storm and water damage, Decatur residents pay home insurance rates higher than the national average. However, as Alabama rates go, Decatur homeowners pay about $2,000 annually, slightly less than the state average. Areas along the Alabama Gulf Coast pay the highest rates due to the risk of damage from hurricanes that regularly make landfall in the area.
Homeowners can't control all the factors that damage their property, but they can protect their investments with the right home insurance. While most policies cover damage from criminal activity or storms, in Alabama, basic coverage excludes flood and earthquake damage. Some consumers in Decatur pick up additional coverage, especially for flooding and other water damage, because many homes are located on the river. VIU by HUB can help shoppers compare Decatur home insurance quotes from multiple companies and customize a policy to cover the most common risks associated with life in Decatur.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
