Mountainboro Insurance Rates:

Mountainboro, AL home insurance is approximately $799 to $1,092, about $66-$91/month. Our detailed guide reveals consumers can save upto $378 by getting multiple quotes

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Mountainboro Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
GEICO Insurance
Home Insurance Rate of $110/2 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $150,000

5 Beds, 5 Bath 1800 sqft Vacation Property Constructed In 2011 with Carpet Flooring, Tile Roof, Crawl Space Foundation, Wood siding, Stucco Construction. Home Features Include Smoke Alarm, Fire Extinguisher, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

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

  • 600-649 Credit Score

Home Insurance Rate of $340/8 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $135,000

5 Beds, 5 Baths 2020 sqft Primary Residence Constructed In 2011 with Stone Flooring, Wood Shake Roof, Crawl Space Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

54 Years old Married Male who is a Freelancer with household income of $100-$150,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $140/2 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $295,000

5 Beds, 5 Baths 3780 sqft Vacation Property Constructed In 1996 with Hardwood Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $290/6 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $255,000

4 Beds, 4 Baths 3250 sqft Vacation Property Constructed In 2012 with Carpet Flooring, Wood Shake Roof, Crawl Space Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Deadbolt Locks, Fire Extinguisher, Swimming Pool, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

68 Years old Married Female who has a Full Time Job with household income of $100-$150,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $190/6 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $105,000

3 Beds, 3 Bath 1390 sqft Vacation Property Constructed In 2001 with Wood Flooring, Membrane Roof, Chainwall Foundation, Stucco siding, Stucco Construction. Home Features Include Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

59 Years old Single Male who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Smoker

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

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $710/9 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $215,000

5 Beds, 5 Bath 3170 sqft Vacation Property Constructed In 2010 with Carpet over wood flooring, Wood Shake Roof, Chainwall Foundation, Stucco siding, Wood Frame. Home Features Include Swimming Pool, Fireplace, Smoke Alarm, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

41 Years old Divorced Female who is Unemployed and has More than 3 Pets at home and is a Smoker

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

  • Up to 499 Credit Score

Home Insurance Rate of $310/8 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $160,000

4 Beds, 4 Baths 2070 sqft Seasonal Residence Constructed In 1984 with Carpet over wood flooring, Slate Shingles Roof, Chainwall Foundation, Wood siding, Stucco Construction. Home Features Include Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

27 Years old Divorced Male who is a Freelancer with household income of more than $150,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $90/2 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $140,000

4 Beds, 4 Bath 2120 sqft Vacation Property Constructed In 2008 with Wood Flooring, Slate Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Deadbolt Locks, Fireplace, Copper Water Pipes, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

66 Years old Divorced Male who has a Full Time Job with household income of $75-$100,000 and has More than 3 Pets at home and is a Non-Smoker

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

  • 750-799 Credit Score

Home Insurance Rate of $420/7 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $150,000

3 Beds, 3 Baths 2140 sqft Vacation Property Constructed In 1992 with Carpet over wood flooring, Metal Roof, Chainwall Foundation, Vinyl siding, Stucco Construction. Home Features Include Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

37 Years old Married Female who is a Freelancer with household income of more than $150,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

Mountainboro Rates & Quotes Analysis:

Mountainboro Area Estimated House Insurance
Old Hollow Rd, Coosa Rd, Otway Rd, Julietta St, Groover Rd, Berry Rd, Toney Dr, Industry Dr, Whitesboro Rd, Happy Hill Cutoff Rd$936
Noblitt Cir, Leeth Gap Rd, Sauls Warren Rd, Walker Mountain Rd, Lake Cir, Copeland Gap Church Rd, Thrasher Dr, Murphree Rd, Brow Cutoff Rd, Sardis Dr$946
Lips Comb Rd, Murdock Dr, Alewine St, Neely Norma Ln, Co Rd 450, Lakeview Dr, Gene Mashburn Rd, Tidwell Rd, Blueberry Ln, Sauls Cir$951
Underwood Rd, Decker Rd, Peach Tree Ln, Kristie Ln, Debbie St, Amos Dr, Holliday Cir, Mountainboro Rd, Talton Cir, Doc Gaskin Rd$950
Springdale Rd, Mountain Dr, Harrelson Rd, Alexander Rd, Parkway Dr, Green Ln, Gaines St, Beech St, King Ln, Happy Hill Rd$947

Insurance rates are influenced by a number of factors including:

  • Year Built: 570 Homes (13% of total) built between 1970 to 1979 in Mountainboro are paying home insurance between $1,534-$1,548 in contrast with Whitesboro (+$20), New Union (+$28), Turkeytown (+$13), Carlisle-Rockledge (-$31) and Ridgeville (-$68).
  • Bedrooms: 905 2 bedrooms homes (22% of total homes ) in Mountainboro are paying about $691. Areas near to Mountainboro such as Sardis City, Whitesboro, New Union are costlier by $3, $10, $12 respectively whereas Carlisle-Rockledge and Boaz are more economical by $14, $7 respectively for similar homes.
  • Auto Insurance Bundling: 1,429 Households (47% of all households) in Mountainboro have 2 vehicles available and when it is bundled with home insurance you can save $189 and varies from Sardis City ($190), Carlisle-Rockledge ($185), Whitesboro ($191).
  • Senior Discounts: 1,462 seniors (more than 55 years) occupied housing units (48% of total) in Mountainboro get discounts between $140 to $142. The comparative concessions in proximate regions such as Sardis City, Carlisle-Rockledge and Whitesboro are $142, $139 and $143 respectively.
  • New Homes discounts: New homes such as the 1,845 homes built between 2000 to 2009 in Mountainboro can save $189 and similar new home insurance discounts in nearby towns and cities like Sardis City, Carlisle-Rockledge and Whitesboro are $190, $185 and $191 respectively.

Mountainboro Homeowners insurance Facts

  • Mountainboro, AL has 2,991 owner occupied houses which is 83.7% of all units whereas Sardis City, Carlisle-Rockledge and Whitesboro have 90.83%, 83.92% and 79.12% respectively.
  • Mountainboro, AL homeowners yearly insurance price at $946 is 0.93% of the typical house value of $102,100 which is in contrast with 0.87% in Sardis City, 1.27% at Carlisle-Rockledge & 0.77% in Whitesboro.
  • Homeowners in Mountainboro, AL pay 3.44% of their income ($25,000 to $29,999) in insurance whereas homeowners in Sardis City, Carlisle-Rockledge and Whitesboro pay 3.45%, 3.37% and 3.49% respectively.
  • Mountainboro, AL’s insurance is 7.4% of monthly housing costs of $1,072/month, for owners with a mortgage compared to 6.91% in Sardis City, 9.13% at Carlisle-Rockledge & 6.46% in Whitesboro. But, for households without a mortgage, insurance is 24.7% of costs ($319 in Mountainboro, AL) in contrast with 23.63% in Sardis City, 23.2% at Carlisle-Rockledge & 26.29% in Whitesboro.

Mountainboro, AL Home Values & Insurance rates

For example, insurance for 120 Homes (4.0% of total homes ) valued between $50,000 to $59,999 in Mountainboro, AL is about $482. Rates in nearby areas in such as Sardis City, Whitesboro, Boaz are cheaper by $26, $80, $36 respectively while Carlisle-Rockledge and Egypt are costlier by $185 and $361 respectively for similar homes.

Mountainboro, AL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 693 23.0% $227
$50,000 to $59,999 120 4.0% $482
$60,000 to $69,999 140 4.0% $595
$70,000 to $79,999 200 6.0% $690
$80,000 to $89,999 138 4.0% $785
$90,000 to $99,999 174 5.0% $879
$100,000 to $124,999 364 12.0% $1012
$125,000 to $149,999 275 9.0% $1267
$150,000 to $174,999 362 12.0% $1504
$175,000 to $199,999 123 4.0% $1731
$200,000 to $249,999 225 7.0% $2081
$250,000 to $299,999 58 1.0% $2544
$300,000 to $399,999 53 1.0% $3235

Renters Insurance in Mountainboro

  • Average Renters Insurance in Mountainboro :  $261($21/month)

  • Median Gross Rent in Mountainboro :  $638

  • Mountainboro Renters Insurance to Median Rent Ratio:  3.29%

  • Renter occupied housing units in Mountainboro :  581

Mountainboro Renters Insurance as a Percentage of Rent

Mountainboro Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 9 2.0% $1265
$500 to $749 254 67.0% $1940
$750 to $999 50 13.0% $2690
$1,000 to $1,499 62 16.0% $3815

Protective device discount in Mountainboro Up to :  $39

Claims-free discount in Mountainboro Up to :  $52