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Decatur, AL Home Values & Insurance Rates

Decatur, AL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,424 9.0% $191
$50,000 to $59,999 541 3.0% $411
$60,000 to $69,999 692 4.0% $507
$70,000 to $79,999 945 6.0% $583
$80,000 to $89,999 1,203 8.0% $660
$90,000 to $99,999 950 6.0% $736
$100,000 to $124,999 2,025 13.0% $861
$125,000 to $149,999 1,590 10.0% $1071
$150,000 to $174,999 1,674 11.0% $1272
$175,000 to $199,999 957 6.0% $1464
$200,000 to $249,999 1,291 8.0% $1760
$250,000 to $299,999 839 5.0% $2162
$300,000 to $399,999 585 3.0% $2746

Decatur Renters Insurance as a Percentage of Rent

Decatur Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 171 2.0% $359
$200 to $299 560 6.0% $809
$300 to $499 1,779 20.0% $1259
$500 to $749 3,852 45.0% $1934
$750 to $999 1,336 15.0% $2684
$1,000 to $1,499 629 7.0% $3809
$1,500 or more 178 2.0% $5459

Example Decatur Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Nationwide InsuranceAmica Mutual Insurance CompanyAllstate
Monthly Premium 273372
Year Built 199820101979
Home Details 3 Beds, 2 Baths4 Beds, 2 Baths5 Beds, 4 Baths
Coverage Amount $50000-$75000$100000-$125000$175000-$200000
Deductible $500- $1000 Deductible$500- $1000 Deductible$1000-$2500 Deductible

Top Home Insurance Agents Near Decatur, AL

Home Insurance Company Near Decatur, AL Homeowners Insurance Agency Near Decatur, AL Address Distance from Decatur, AL (miles)
State Farm Brian King 1785 Us Highway 72 E Ste A, Athens, AL, 35611-5155 15.4
Allstate David Farris 1429 Weatherly Rd SE, Huntsville, AL, 35803 28.4
Farmers Gary Smith 180 Old Highway 431 Ste E, Hampton Cove, AL, 35763 31.9
State Farm Rebecca Hovater 501 S Montgomery Ave Ste C, Sheffield, AL, 35660-3861 39.8
Liberty Mutual Independent Rogers Parker & Assoc Inc 110 W TENNESSEE ST, FLORENCE, AL, 35630 39.8

Estimated Home Insurance By Street Area Near Decatur, AL

Decatur Area Estimated House Insurance
Point Mallard Rd SE, Chestnut St SE, Anna Dr, Elliott St, Miller Pl, Blueberry Ln SW, 3rd Ave SW, Cedar Lake Rd SW, Dover Cir SW, Buena Vista Cir SE$997
A St NW, Carol Ln SE, Adams Dr NW, Oak St, Fletcher Ave SW, Bentley Dr SW, 8th Ave NW, Pine Ave SW, Baker Rd, Norris Mill Rd$910
Lancelot Dr SW, Little John St SW, Jackson St SE, Somerville Rd SE, 1st St NW, Carolina Ct, Prescott Dr, Line St NE, Creighton Ave SE, Trenton Pl$964
Briar Ave, Augusta Dr SW, Elliott St SE, Westwood Cir SW, 14th Ave SW, James St SW, Vicksburg Cir SW, Freeman Ave SW, Jefferson Ave SW, Murphree Rd SE$991
4th St SW, Monticello St SW, W Burn Ct, Old Hwy 24, Selby Pvt Rd, Freeman Ave, Sims Rd SW, Brookridge Rd SW, 6th Ave SW, Hamaker St SW$982
McCartney St NW, 13th St SE, Winfrey Dr SW, Beech St SE, Valley Forge Rd SW, Old Trinity Rd, Cedar St, Prospect Dr SE, Terrapin Dr, Melbourne St SW$1,005
Whiteford Dr SW, Routon Ave SW, Forest Glen Dr, Church St SE, Ray Ave, Lee St NE, Church St NW, 4th Ave SW, Cedarhurst Ct, Cameron St SW$994
21st Ave SE, Chadsworth St SW, Ragland St, Idlewild Pl SW, Palisade Ct SW, Starky Rd, Tammy St SW, Quince Dr SE, Ashenbury Park SW, Finley Dr NW$979
2nd St NE, 15th Ave SE, Sandlin Rd SW, Elizabeth Ave SE, Cherry St NE, Minor Rd, Hempstead Ave, Brooks St SE, Hillcrest Dr, County Line Rd$982
Brenda St SW, Jackson St SE, Alexandria St SW, Memorial Dr SW, Vestavia Dr, Mulberry St, Hoover Ave, Slaten Rd, Piccadilly Circus SW, Clark St$986

Decatur, AL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Decatur Homeowner Insurance Premium Example $900$500
Out of Pocket Expense During Claim$700$2,700
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $7,900$6,700
Net Savings to Decatur Home Owner from High Deductible Plan $1,200

Decatur, AL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Decatur, AL Home Replacement Value MORE than Home Value Decatur, AL Home Replacement Value LESS than Home Value
Replacement Value $160,500 $103,000
Insurance Premium based on Replacement Value $925 $575
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $38,000 Risk Exposure from Under Insuring Coverage is $19,500
Premium Impact Insurance cheaper by $125/year Insurance costlier by $225/year