Alfa home insurance review: High customer service ratings
Alfa home insurance receives impressive marks for customer service, but it comes with a high price tag that's nearly $1,000 more than the national average.
By
Jessica OlivoJessica OlivoFreelance contributorJessica Olivo is a writer living in Connecticut. She specializes in web and blog content in a variety of topics such as parenting, business, and culture, as well as serialized and short fiction.After working in publishing and book publicity for many years, she transitioned to freelance writing full time.
Edited by
Jennifer GimbelJennifer GimbelSenior Managing Editor & Home Insurance ExpertJennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.
Expert reviewedExpert reviewedThis article has been reviewed by a member of ourFinancial Review Council to ensure all sources, statistics, and claims meet the highest standard for accurate and unbiased advice.Learn more about oureditorial review process.
Our proprietary ratings methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the “Ratings methodology” section for more details.
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AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
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Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
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The bottom line
With excellent customer service ratings, strong financial stability, and nearly 80 years of experience in the industry, Alfa home insurance is a solid choice for homeowners seeking reliability. It offers a hybrid of tech-savvy resources and agents based in the community, making Alfa a great option for both homeowners who prefer managing their policy through an app and others who like to visit an agent in person.
However, its rates are higher than what you’d find with other insurance companies. And it only offers home insurance policies in six states throughout the South.
Receives fewer complaints than other companies of its size
Offers a comprehensive website and mobile app
High financial strength rating with A.M. Best, meaning it likely has the reserves to pay out claims in the wake of a natural disaster
Cons
Rates are nearly $1,000 more than the national average, and it only offers 4 discounts
Only available in 6 states throughout the South
Fewer coverage add-ons and discounts compared to larger home insurance companies
Basic coverages offered
Alfa Insurance home insurance policies include these six standard coverages to protect your home, belongings, and personal liability:
Dwelling coverage: Pays to repair or rebuild the structure of your home after a covered loss.
Other structures coverage: Pays to repair or rebuild other structures on your property not connected to your home, including detached garages, storage sheds, and fencing.
Personal property coverage: Pays to repair or replace your personal belongings after a covered loss, including furniture, clothing, tech gadgets, and other stuff you own.
Loss of use coverage: Pays for hotel stays, restaurant bills, pet boarding fees, and other temporary living expenses after a covered loss if you need to live elsewhere while your home is being rebuilt.
Personal liability coverage: Pays for legal and medical expenses if someone is injured or their belongings are damaged while at your home and you’re found legally responsible.
Medical payments coverage: Pays for small-dollar medical bills if someone is injured while at your home — regardless of who is at fault.
Additional coverages offered
You can add these additional coverages to your Alfa Insurance homeowners insurance policy for even more protection:
Replacement cost for personal property: Pays to replace your personal belongings with new items, regardless of depreciation or wear and tear.
Home systems protection coverage: Pays to repair or replace home systems damaged due to mechanical or electrical breakdown not covered in your standard policy.
Home-share: Protects your home from damage caused by covered perils as well as liability incidents if it’s rented out on a home-sharing site like Airbnb or Vrbo.
Personal articles floater: Offers higher coverage limits for high-value items.
Renters insurance: Includes coverage for the personal belongings in your rental home or apartment against fire, vandalism, theft, windstorms, and water damage, as well as personal liability and loss of use coverage.
Condo insurance: Purchased as a supplement to your condo association’s master policy, condo insurance covers your personal belongings, the interior structure of your condo unit, and personal liability.
Umbrella insurance: Provides additional liability protection for expensive medical or legal bills you’re found legally responsible for.
Ratings methodology
Price
2.8/5
Our price rating scale looks at home insurance rates for a policy with $300,000 in dwelling coverage, as well as the total number of discounts offered. Alfa Insurance’s average annual rate of $2,806 is 39% above the national average.
Customer experience
5.0/5
Our customer experience scale uses data from the National Association of Insurance Commissioners (NAIC) complaint index. Alfa Insurance has a score of 0, which means it receives less complaints than expected for a company of its size. (The expected number would be 1.0.)
Coverage options
3.7/5
Our coverage options rating is based on both the number and quality of additional coverage and policy options offered by the company. Alfa Insurance scores middle of the road compared to other regional home insurance companies.
Financial strength
4.3/5
Our financial strength rating is a weighted combination of three industry-leading metrics to measure a company’s financial health: AM Best, Standard & Poor’s, and Moody’s. Alfa Insurance has an A rating from AM Best, but is not rated by Standard & Poor’s or Moody’s.
How much does Alfa home insurance cost?
The average cost of home insurance with Alfa Insurance is $2,806 per year for a policy with $300,000 in dwelling coverage. This is 39% more expensive than the national average.
Here’s the average yearly cost of Alfa Insurance home insurance for five different levels of dwelling coverage:
Dwelling coverage limit
Average annual cost
$100,000
$1,156
$200,000
$1,974
$300,000
$2,806
$400,000
$3,664
$500,000
$4,535
Rates are based on our analysis of 2022 sample home insurance quotes from across the country provided by Quadrant Information Services. Actual rates will vary based on location, policy limits, coverages, claims history, and other factors.
Compare home insurance quotes with top insurers in minutes
What discounts does Alfa Insurance offer?
You can save on the cost of Alfa home insurance if you qualify for any of these discounts:
Legacy: Available to children of current Alfa home insurance policyholders as a thank you for their loyalty.
Safety devices: If you install deadbolts, fire alarms, and security systems in your home.
Hurricane and windstorm protection: Available to Alabama and Mississippi homeowners who safeguard their homes against windstorm damage.
Alfa home insurance state availability
Alfa Insurance offers home insurance policies in six states: Alabama, Georgia, Mississippi, North Carolina, Tennessee, and Virginia.
What to expect with Alfa home insurance
How to get a quote: You can get an Alfa home insurance quote by calling 800-964-2532 or contacting a local Alfa agent.
Customer service options: You can get in touch with an Alfa Insurance customer service rep by calling 800-964-2532, filling out an online form, or through the online chat feature on its website.
How to file a claim: You can file an Alfa home insurance claim online by logging in to your My Alfa account, using the Alfa2Go mobile app, or by calling 877-584-7466.
How to cancel your policy: You can cancel your Alfa Insurance home insurance policy by calling your local agent (their contact info should be on your policy declarations page), calling 800-964-2532 (prompt 3), or logging into your My Alfa account online.
Alfa Insurance vs. other home insurance companies
Compare Alfa home insurance to other insurers in the industry:
Yes, Alfa home insurance is pricey — with the average annual cost of Alfa home insurance ringing in at $2,806, it’s over $900 more than the national average.
Where is Alfa Insurance located?
Alfa is headquartered in Montgomery, Alabama, and currently operates in eleven states in the U.S., though it only writes home insurance policies in six states.
Alfa has over 2,300 staff members in 350 service centers covering 11 states. As of February 2023, it writes or services over 700,000 policies equaling over $27 billion in business.
Jessica Olivo is a writer living in Connecticut. She specializes in web and blog content in a variety of topics such as parenting, business, and culture, as well as serialized and short fiction.
After working in publishing and book publicity for many years, she transitioned to freelance writing full time.
Jennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.
Ian Bloom, CFP®, RLP®, is a certified financial planner and a member of the Financial Review Council at Policygenius. Previously, he was a financial advisor at MetLife and MassMutual.
