Anniston Insurance Rates:

Anniston, AL home insurance is roughly $799 to $1,084, about $66-$90/month. Our all inclusive research shows customers can save as much as $376 by comparing many quotes

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Anniston Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Travelers
Home Insurance Rate of $560/8 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $270,000

4 Beds, 4 Bath 3310 sqft Rental Property Constructed In 1967 with Hardwood Flooring, Wood Shake Roof, Slab Foundation, Stone Siding, Wood Frame. Home Features Include Deadbolt Locks, Copper Water Pipes, Smoke Alarm, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

73 Years old Divorced Male who has a Full Time Job with household income of less than $25,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $70/2 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $120,000

4 Beds, 4 Bath 1630 sqft Primary Residence Constructed In 1997 with Carpet Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Swimming Pool, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

42 Years old Divorced Female who is a Freelancer with household income of more than $150,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $580/8 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $165,000

5 Beds, 5 Baths 2780 sqft Seasonal Residence Constructed In 1979 with Ceramic Tile Flooring, Slate Shingles Roof, Slab Foundation, Brick siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

54 Years old Single Male who has a Part Time Job with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $400/5 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $240,000

5 Beds, 5 Bath 4050 sqft Primary Residence Constructed In 1960 with Hardwood Flooring, Metal Roof, Slab Foundation, Stucco siding, Stucco Construction. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

73 Years old Divorced Male who is a Freelancer with household income of more than $150,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $250/6 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $150,000

4 Beds, 4 Bath 2250 sqft Rental Property Constructed In 1986 with Carpet over wood flooring, Composition Roof, Crawl Space Foundation, Vinyl siding, Stucco Construction. Home Features Include Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

28 Years old Married Male who has a Full Time Job with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $240/4 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $220,000

5 Beds, 5 Bath 3410 sqft Seasonal Residence Constructed In 1962 with Carpet Flooring, Shingles Roof, Slab Foundation, Brick siding, Brick Frame. Home Features Include Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

63 Years old Single Male who has a Full Time Job with household income of less than $25,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $680/12 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $190,000

4 Beds, 4 Baths 2330 sqft Vacation Property Constructed In 1964 with Carpet over wood flooring, Composition Roof, Chainwall Foundation, Stucco siding, Wood Frame. Home Features Include Central Air Conditioning, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

72 Years old Single Male who is a Freelancer with household income of $50-$75,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $320/8 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $150,000

4 Beds, 4 Baths 2010 sqft Vacation Property Constructed In 1996 with Stone Flooring, Shingles Roof, Piers Foundation, Vinyl siding, Stucco Construction. Home Features Include Smoke Alarm, Swimming Pool, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

74 Years old Married Male who is Retired with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $280/5 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $140,000

3 Beds, 3 Bath 1810 sqft Seasonal Residence Constructed In 1993 with Ceramic Tile Flooring, Wood Shake Roof, Slab Foundation, Stone Siding, Brick Frame. Home Features Include Swimming Pool, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

40 Years old Married Female who is a Freelancer with household income of more than $150,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Anniston, AL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
36206 $94,900 $940
36201 $58,400 $920
36205 $198,300 $1,020
36207 $135,200 $970

Anniston Rates & Quotes Analysis:

Anniston Area Estimated House Insurance
Douglas St, 1st Avenue Pinecrest St, Cedar St, Chip St, Wynfield Ct, Buckner Cir, Patterson St, Lynwood Dr, Choccolocco Rd, Mary Lee St$930
Montclair Pl, Cheaha View Dr, Olga Anne Dr, Clara Sears Dr, Ashlawn Dr, Mountain Cove Cir, Dogwood Dr, King St, Herchel Dr, Amberwood Ln$943
Lockette Dr, Sunrise Dr, Knox Ave, Parker Blvd, Turner Rd, Gardendale Dr, Wilkerson Dr, 2nd St W, W 45th St, Cedar Ln$942
Helena St, Pyle Ave, Marsha Dr, Adams St, Cheatwood Dr, Laurel Canyon St, Duncan Ave, Winwood Dr, Bellwood Ave, Perkerson Dr$952
Bates St, E 7th St, N Hollingsworth St, Sycamore Ln, Old Coldwater Rd, Saks Rd, Harkins Dr, Hunter Pl, Laurel Ave, Douglas Dr$918
Maplewood Pl, Eulaton Rd, Crest Ave, Willingham Dr, 42nd St, Bennett St, Blarney Dr, Roxie Ln, Clydesdale Ave, S Noble St$969
Legarde Ave, Maria Dr, Pelham St, Watson St, Vaughn Dr, S Marshall St, Knoxville Cir, S Colvin St, Huie Rd, E 43rd St$919
W Oak St, Lakeview Dr, Noah Medders Pkwy, E Medders Dr, Lloyd Dr, W 51st St, Chartee Dr, Ashwood Dr, Access Rd, Welch Cir$953
Nottingham Woods Apts Rd, Elm St, S Leighton Ave, Cross St N, Calhoun St, Goode Rd, Crescent Ave, Smith St, Warrior Rd, Valley Cir$970
W 62nd St, Crawford Ave, 44th St, Taylor Ave, E 5th St, Bernard Rd, E C St, Dearmanville Rd, Tutwiler Ct, Randall Dr$961

Insurance rates are influenced by a number of factors including:

  • Year Built: 5,074 Homes (15% of total homes ) built between 1980 to 1989 in Anniston are paying home insurance between $1,404-$1,418. Places close to Anniston, AL such as Oxford, Alexandria, Choccolocco are more expensive by $22, $29, $39 respectively while West End-Cobb Town and Hobson City are cheaper by $33 and $25 respectively for similar homes.
  • Bedrooms: 3,846 4 bedrooms homes (12% of total homes ) in Anniston are paying about $1,251. Areas near to Anniston such as Saks, Oxford, Alexandria are costlier by $9, $30, $35 respectively whereas West End-Cobb Town and Hobson City are more economical by $29, $23 respectively for similar homes.
  • Auto Insurance Bundling: 5,160 Households (28% of all households) in Anniston have 3 or more vehicles available and when it is bundled with home insurance you can save $235. Discounts for similar bundling in close by locations such as West End-Cobb Town, Saks, Hobson City come to $229, $235, $231 respectively.
  • Senior Discounts: 10,000 seniors (more than 55 years) occupied housing units (54% of total) in Anniston get discounts between $141 to $143 and differs from West End-Cobb Town ($137), Saks ($141), Hobson City ($138).
  • New Homes discounts: New homes such as the 9,836 homes built between 2000 to 2009 in Anniston can save $188 in contrast with West End-Cobb Town ($183), Saks ($188), Hobson City ($184).

Anniston Homeowners insurance Facts

  • Anniston, AL has 18,223 owner occupied houses which is 67.5% of all units whereas West End-Cobb Town, Saks and Hobson City have 70.0%, 79.69% and 63.08% respectively.
  • Anniston, AL homeowners yearly insurance price at $941 is 0.99% of the typical house value of $95,300 which is in contrast with 1.52% in West End-Cobb Town, 1.0% at Saks & 1.35% in Hobson City.
  • Homeowners in Anniston, AL pay 3.42% of their income ($25,000 to $29,999) in insurance whereas homeowners in West End-Cobb Town, Saks and Hobson City pay 3.34%, 3.42% and 3.36% respectively.
  • Anniston, AL’s insurance is 7.7% of monthly housing costs of $1,017/month, for owners with a mortgage compared to 9.57% in West End-Cobb Town, 7.63% at Saks & 8.66% in Hobson City. But, for households without a mortgage, insurance is 25.3% of costs ($310 in Anniston, AL) in contrast with 27.45% in West End-Cobb Town, 25.38% at Saks & 26.28% in Hobson City.

Anniston, AL Home Values & Insurance rates

For example, insurance for 1,304 Homes (7.0% of total homes ) valued between $80,000 to $89,999 in Anniston, AL is about $837. Rates in nearby areas in such as Oxford, Alexandria, Weaver are cheaper by $168, $194, $27 respectively while West End-Cobb Town and Saks are costlier by $449 and $9 respectively for similar homes.

Anniston, AL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 4,132 23.0% $244
$50,000 to $59,999 841 4.0% $517
$60,000 to $69,999 949 5.0% $639
$70,000 to $79,999 1,259 7.0% $733
$80,000 to $89,999 1,304 7.0% $837
$90,000 to $99,999 1,189 6.0% $931
$100,000 to $124,999 2,258 12.0% $1082
$125,000 to $149,999 1,855 10.0% $1355
$150,000 to $174,999 1,486 8.0% $1599
$175,000 to $199,999 755 4.0% $1844
$200,000 to $249,999 815 4.0% $2220
$250,000 to $299,999 581 3.0% $2719
$300,000 to $399,999 436 2.0% $3453

Renters Insurance in Anniston

  • Average Renters Insurance in Anniston :  $270($22/month)

  • Median Gross Rent in Anniston :  $631

  • Anniston Renters Insurance to Median Rent Ratio:  3.49%

  • Average household size of renter-occupied unit :  2.54

Anniston Renters Insurance as a Percentage of Rent

Anniston Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 274 3.0% $367
$200 to $299 391 4.0% $817
$300 to $499 1,647 20.0% $1267
$500 to $749 3,252 41.0% $1942
$750 to $999 1,525 19.0% $2692
$1,000 to $1,499 719 9.0% $3817
$1,500 or more 82 1.0% $5467

Protective device discount in Anniston Up to :  $40

Claims-free discount in Anniston Up to :  $54