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.

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Jessica 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 and home insurance expert at Policygenius, where she oversees our homeowners insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.
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Reviewed by

Ian Bloom, CFP®, RLP®Ian Bloom, CFP®, RLP®Certified Financial PlannerIan 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.

Updated

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Alfa Insurance

Alfa Insurance  logo

Policygenius rating

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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4.1

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).

A

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.

Pros

  • 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:

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.

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What discounts does Alfa Insurance offer?

You can save on the cost of Alfa home insurance if you qualify for any of these discounts:

  • Bundling: If you bundle your home and auto insurance with Alfa.

  • 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:

Company

Policygenius rating

AM Best rating

Cost

Alfa Insurance

4.1/5

A

$$$$

Auto-Owners Insurance

5.0/5

A++

$$$$$

Auto-Owners Insurance

5.0/5

A++

$$$

Kin

5.0/5

NA

NA

SageSure

4.4/5

A-

NA

Frontline

4.1/5

A-

NA

Security First Insurance

4.1/5

A

$

Florida Peninsula Insurance

3.9/5

NA

$$$$

Slide Insurance

3.9/5

NA

NA

Homeowners Choice

3.7/5

NA

$$$$

Tower Hill

3.6/5

B

$$

Texas FAIR Plan

3.0/5

A-

$$$$$

FedNat Insurance

2.6/5

NA

$$$$

Louisiana Citizens

2.6/5

NA

$$$$$

Citizens Property Insurance

2.5/5

A

$$$$$

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Frequently asked questions

Is Alfa home insurance expensive?

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.

What kind of insurance does Alfa offer?

Besides homeowners insurance, Alfa offers auto, life, farm, business, health, and dental insurance.

How big is Alfa Insurance?

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.

Author

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.

Editor

Jennifer Gimbel is a senior managing editor and home insurance expert at Policygenius, where she oversees our homeowners insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.

Expert reviewer

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.

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