Daphne Insurance Rates:

Daphne, AL home insurance is nearly $850 to $1,161, about $70-$96/month. Our in depth guide reveals consumers can save as much as $402 by comparing different quotes

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Daphne Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Amica Mutual Insurance Company
Home Insurance Rate of $830/9 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $245,000

3 Beds, 3 Bath 2100 sqft Vacation Property Constructed In 2007 with Linoleum, Metal Roof, Chainwall Foundation, Vinyl siding, Wood Frame. Home Features Include Smoke Alarm, Central Air Conditioning, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

44 Years old Single Male who is a Freelancer with household income of $50-$75,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $190/2 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $190,000

3 Beds, 3 Baths 1780 sqft Rental Property Constructed In 2014 with Hardwood Flooring, Composition Roof, Slab Foundation, Wood siding, Metal Frame Construction. Home Features Include Swimming Pool, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

33 Years old Married Male who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $890/8 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $270,000

5 Beds, 5 Bath 2560 sqft Seasonal Residence Constructed In 1995 with Stone Flooring, Shingles Roof, Chainwall Foundation, Stone Siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

71 Years old Married Female who has a Part Time Job with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $270/6 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $265,000

4 Beds, 4 Baths 2910 sqft Seasonal Residence Constructed In 1997 with Carpet over wood flooring, Membrane Roof, Piers Foundation, Brick siding, Brick Frame. Home Features Include Deadbolt Locks, Fireplace, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

33 Years old Single Male who is Unemployed and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $330/5 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $145,000

3 Beds, 3 Bath 1440 sqft Rental Property Constructed In 2001 with Linoleum, Slate Shingles Roof, Chainwall Foundation, Vinyl siding, Stucco Construction. Home Features Include Copper Water Pipes, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $150/2 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $205,000

3 Beds, 3 Bath 1520 sqft Primary Residence Constructed In 1980 with Linoleum, Tile Roof, Crawl Space Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Swimming Pool, Copper Water Pipes, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

52 Years old Divorced Male who has a Full Time Job with household income of more than $150,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $780/10 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $270,000

5 Beds, 5 Baths 2050 sqft Primary Residence Constructed In 2014 with Wood Flooring, Composition Roof, Crawl Space Foundation, Stucco siding, Metal Frame Construction. Home Features Include Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

28 Years old Single Female who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $330/3 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $245,000

5 Beds, 5 Baths 2650 sqft Seasonal Residence Constructed In 2012 with Carpet over wood flooring, Membrane Roof, Piers Foundation, Wood siding, Metal Frame Construction. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

36 Years old Single Male who is Unemployed and has 1 Pet and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

Home Insurance Rate of $380/3 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $400,000

4 Beds, 4 Baths 3110 sqft Vacation Property Constructed In 2008 with Wood Flooring, Tile Roof, Chainwall Foundation, Stone Siding, Metal Frame Construction. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

29 Years old Single Female who is a Freelancer with household income of more than $150,000 and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $220/5 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $195,000

5 Beds, 5 Baths 1930 sqft Seasonal Residence Constructed In 1990 with Hardwood Flooring, Composition Roof, Crawl Space Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Swimming Pool, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

51 Years old Divorced Male who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $150/2 months for $150,000-$175,000 Coverage
Policy Holder Home Details :

Home Value : $160,000

3 Beds, 3 Baths 1745 sqft Primary Residence Constructed In 1974 with Carpet over wood flooring, Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Swimming Pool, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

44 Years old Divorced Male who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

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

  • 650-699 Credit Score

  • Guests at home

Daphne, AL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
36526 $187,900 $1,020

Daphne Rates & Quotes Analysis:

Daphne Area Estimated House Insurance
Lovett Dr, Patrician Dr W, Old County Rd, Sandy Shoal Loop, Dewitt Cir, Ashton Ct, Confederate Dr, Chestnut Ridge, Bosbyshell Ave, Miss Emma's Way$1,036
Dunbar Loop, Pontchartrain Loop, Adams Ave S, Meadow Wood Cir, Infantry Ln, Newport Ln, Archer Cir, Bridges Dr W, Bradford Ct, Woodrow Ln$1,009
Westminster Gates Dr, Battery Hts, Redman Ln, Sara Ave E, Diane Cir, Lady Slocomb Cir, Rolling Hill Cir, Smugglers Gap St, Chablis Ln, Laurel Pl$1,044
Woodbridge Dr, Larosa Dr, Cochrane Brg, Parma Dr, Coles Ct, Sea Cliff Dr N, Malaga Dr, Saint John St, Comer Cir, Oak Ridge Ct E$1,020
Chasewood Pl, Scott Rd, Falling Water Blvd, Vega Cir, Hanover Dr, Sibley Sq, Cobham Park Dr, General Canby Blvd, Parkwood Dr, Ryan Ave$1,020

Insurance rates are influenced by a number of factors including:

  • Year Built: 2,250 Homes (11% of total) built between 1970 to 1979 in Daphne are paying home insurance between $1,630-$1,645 compared to Fairhope (+$14), Magnolia Springs (+$18), Northwest Escambia(FL) (+$249), Baldwin County (-$26) and Loxley (-$80).
  • Bedrooms: 4,672 4 bedrooms homes (24% of total homes ) in Daphne are paying about $1,336. Areas near to Daphne such as Spanish Fort, Fairhope, Magnolia Springs are costlier by $8, $22, $25 respectively whereas Baldwin County and Loxley are more economical by $21, $55 respectively for similar homes.
  • Auto Insurance Bundling: 6,212 Households (50% of all households) in Daphne have 2 vehicles available and when it is bundled with home insurance you can save $201 compared to Spanish Fort ($202), Baldwin County ($197), Loxley ($191).
  • Senior Discounts: 5,691 seniors (more than 55 years) occupied housing units (45% of total) in Daphne get discounts between $150 to $153 compared to Spanish Fort ($151), Baldwin County ($148), Loxley ($143).
  • New Homes discounts: New homes such as the 12,500 homes built between 2000 to 2009 in Daphne can save $201 and varies from Spanish Fort ($202), Baldwin County ($197), Loxley ($191).

Daphne Homeowners insurance Facts

  • Daphne, AL has 12,411 owner occupied houses which is 72.8% of all units whereas Spanish Fort, Baldwin County and Loxley have 57.73%, 74.07% and 63.43% respectively.
  • Daphne, AL homeowners yearly insurance price at $1,005 is 0.5% of the typical house value of $199,800 which is in contrast with 0.48% in Spanish Fort, 0.57% at Baldwin County & 0.8% in Loxley.
  • Homeowners in Daphne, AL pay 20.1% of their income (Less than $10,000) in insurance whereas homeowners in Spanish Fort, Baldwin County and Loxley pay 20.22%, 19.78% and 19.12% respectively.
  • Daphne, AL’s insurance is 5.2% of monthly housing costs of $1,621/month, for owners with a mortgage compared to 4.92% in Spanish Fort, 5.92% at Baldwin County & 6.9% in Loxley. But, for households without a mortgage, insurance is 19.1% of costs ($438 in Daphne, AL) in contrast with 25.0% in Spanish Fort, 21.8% at Baldwin County & 24.36% in Loxley.

Daphne, AL Home Values & Insurance rates

For example, insurance for 1,561 Homes (14.0% of total homes ) valued between $250,000 to $299,999 in Daphne, AL is about $1,376. Rates in nearby areas in such as Spanish Fort, Fairhope, Magnolia Springs are cheaper by $52, $68, $86 respectively while Baldwin County and Loxley are costlier by $196 and $813 respectively for similar homes.

Daphne, AL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 557 5.0% $120
$50,000 to $59,999 225 2.0% $261
$80,000 to $89,999 162 1.0% $422
$90,000 to $99,999 253 2.0% $472
$100,000 to $124,999 797 7.0% $552
$125,000 to $149,999 859 7.0% $683
$150,000 to $174,999 1,431 13.0% $814
$175,000 to $199,999 1,822 16.0% $934
$200,000 to $249,999 1,515 14.0% $1125
$250,000 to $299,999 1,561 14.0% $1376
$300,000 to $399,999 1,526 14.0% $1758

Renters Insurance in Daphne

  • Average Renters Insurance in Daphne :  $143($11/month)

  • Median Gross Rent in Daphne :  $1,063

  • Daphne Renters Insurance to Median Rent Ratio:  1.03%

  • Renter occupied housing units in Daphne :  4,632

Daphne Renters Insurance as a Percentage of Rent

Daphne Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 615 13.0% $1910
$750 to $999 1,302 29.0% $2660
$1,000 to $1,499 1,898 42.0% $3785
$1,500 or more 584 13.0% $5435

Protective device discount in Daphne Up to :  $21

Claims-free discount in Daphne Up to :  $28