Piedmont Insurance Rates:

Piedmont, AL home insurance is approximately $791 to $1,076, about $65-$89/month. Our all inclusive research shows customers can save upto $373 by comparing different quotes

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Piedmont Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Travelers
Home Insurance Rate of $640/12 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $135,000

4 Beds, 4 Bath 1840 sqft Rental Property Constructed In 1967 with Carpet over wood flooring, Shingles Roof, Piers Foundation, Vinyl siding, Brick Frame. Home Features Include Copper Water Pipes, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

44 Years old Single Female who is a Freelancer with household income of $100-$150,000 and has More than 3 Pets at home and is a Smoker

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

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $150/3 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $170,000

3 Beds, 3 Baths 2360 sqft Rental Property Constructed In 2005 with Linoleum, Shingles Roof, Crawl Space Foundation, Stucco siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Indoor Sprinklers, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

69 Years old Married Male who is a Freelancer with household income of $25-50,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $50/1 month for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $125,000

4 Beds, 4 Bath 2400 sqft Rental Property Constructed In 1961 with Hardwood Flooring, Metal Roof, Piers Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Smoke Alarm, Copper Water Pipes, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $460/8 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $110,000

4 Beds, 4 Bath 1860 sqft Rental Property Constructed In 1953 with Carpet over wood flooring, Membrane Roof, Crawl Space Foundation, Stucco siding, Wood Frame. Home Features Include Central Air Conditioning, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

63 Years old Single 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

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $600/12 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $130,000

3 Beds, 3 Baths 1810 sqft Primary Residence Constructed In 1944 with Carpet Flooring, Slate Shingles Roof, Piers Foundation, Stone Siding, Brick Frame. Home Features Include Fireplace, Smoke Alarm, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

54 Years old Married Female who has a Full Time Job 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

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $560/9 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $245,000

5 Beds, 5 Baths 3450 sqft Primary Residence Constructed In 1960 with Carpet Flooring, Membrane Roof, Crawl Space Foundation, Wood siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Swimming Pool, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

48 Years old Married Female who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $80/2 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $145,000

3 Beds, 3 Bath 1910 sqft Primary Residence Constructed In 1959 with Ceramic Tile Flooring, Wood Shake Roof, Piers Foundation, Brick siding, Brick Frame. Home Features Include Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

27 Years old Single Male who is Unemployed with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

Home Insurance Rate of $60/1 month for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $165,000

4 Beds, 4 Baths 3270 sqft Rental Property Constructed In 1983 with Wood Flooring, Wood Shake Roof, Crawl Space Foundation, Stone Siding, Wood Frame. Home Features Include Indoor Sprinklers, Fireplace, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

49 Years old Single Male who has a Full Time Job with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $530/9 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $255,000

5 Beds, 5 Bath 4290 sqft Vacation Property Constructed In 1958 with Stone Flooring, Composition Roof, Chainwall Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $850/10 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $245,000

5 Beds, 5 Baths 4440 sqft Seasonal Residence Constructed In 2001 with Stone Flooring, Membrane Roof, Slab Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Copper Water Pipes, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

45 Years old Married 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 :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Piedmont, AL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
36272 $79,700 $940

Piedmont Rates & Quotes Analysis:

Piedmont Area Estimated House Insurance
Nolan St, Hobson Cir, Alabama St, Hood St E, Ridgeway Dr, Dry Creek Rd, Shady Grove Cutoff, W Swan St, Meadowridge Dr, Coosa St$928
Rome Ave, Francis Ave N, Burns St, Thatcher St, Harris St, McCarley Dr, Dogwood Ln N, Pine Creek, Center Ave, Southern Ave$939
Cedartown Hwy, Katoma Creek Rd, Tuck A Way Dr, Taylor St, Edgewood St, Kines Rd, Dallas Dr, Woodland Ave, Sulphur Springs Rd N, E Ladiga St$943
Mountain Way, Meadow Ridge Dr, Porter Johnson Rd, Cherokee Trl, Dripping Rock Rd, Old Centre Hwy, Littlejohn Dr, Cook St, Woodmont Chase, McKee St$933
Walker Rd, Crestview Dr, James St, Garner Dr, Amelia St, Meadowbrook Creek, Bethel Ch Rd, Cedartown Hwy, S Barlow St, Hanks Rd$939

Insurance rates are influenced by a number of factors including:

  • Year Built: 648 Homes (17% of total homes ) built between 1980 to 1989 in Piedmont are paying home insurance between $1,393-$1,407. Places close to Piedmont, AL such as Nances Creek, Jacksonville, Centre are more expensive by $46, $40, $29 respectively while Ballplay and Tallapoosa(GA) are cheaper by $17 and $108 respectively for similar homes.
  • Bedrooms: 410 4 bedrooms homes (11% of total homes ) in Piedmont are paying about $1,251 compared to Nances Creek (+$40), Jacksonville (+$25), Centre (+$26), Ballplay (-$16) and Coats Bend (-$3).
  • Auto Insurance Bundling: 748 Households (31% of all households) in Piedmont have 3 or more vehicles available and when it is bundled with home insurance you can save $233. Discounts for similar bundling in close by locations such as Nances Creek, Jacksonville, Centre come to $241, $240, $238 respectively.
  • Senior Discounts: 1,367 seniors (more than 55 years) occupied housing units (57% of total) in Piedmont get discounts between $139 to $142. The comparative concessions in proximate regions such as Nances Creek, Centre and Cherokee County are $144, $142 and $141 respectively.
  • New Homes discounts: New homes such as the 1,104 homes built between 2000 to 2009 in Piedmont can save $186 and similar new home insurance discounts in nearby towns and cities like Nances Creek, Jacksonville and Centre are $192, $192 and $190 respectively.

Piedmont Homeowners insurance Facts

  • Piedmont, AL has 2,385 owner occupied houses which is 76.2% of all units whereas Nances Creek, Jacksonville and Centre have 88.32%, 57.22% and 73.56% respectively.
  • Piedmont, AL homeowners yearly insurance price at $934 is 1.13% of the typical house value of $82,700 which is in contrast with 0.73% in Nances Creek, 0.76% at Jacksonville & 0.84% in Centre.
  • Homeowners in Piedmont, AL pay 3.4% of their income ($25,000 to $29,999) in insurance whereas homeowners in Nances Creek, Jacksonville and Centre pay 3.51%, 3.49% and 3.47% respectively.
  • Piedmont, AL’s insurance is 8.5% of monthly housing costs of $920/month, for owners with a mortgage compared to 7.72% in Nances Creek, 6.72% at Jacksonville & 7.29% in Centre. But, for households without a mortgage, insurance is 22.6% of costs ($344 in Piedmont, AL) in contrast with 13.28% in Nances Creek, 24.39% at Jacksonville & 20.95% in Centre.

Piedmont, AL Home Values & Insurance rates

For example, insurance for 205 Homes (8.0% of total homes ) valued between $100,000 to $124,999 in Piedmont, AL is about $1,242. Rates in nearby areas in such as Nances Creek, Jacksonville, Centre are cheaper by $442, $417, $328 respectively while Ballplay and Coats Bend are costlier by $334 and $34 respectively for similar homes.

Piedmont, AL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 555 23.0% $280
$50,000 to $59,999 119 5.0% $588
$60,000 to $69,999 243 10.0% $728
$70,000 to $79,999 208 8.0% $840
$80,000 to $89,999 248 10.0% $952
$90,000 to $99,999 62 2.0% $1064
$100,000 to $124,999 205 8.0% $1242
$125,000 to $149,999 285 12.0% $1550
$150,000 to $174,999 153 6.0% $1830
$175,000 to $199,999 64 2.0% $2110
$200,000 to $249,999 85 3.0% $2540
$250,000 to $299,999 114 4.0% $3110

Renters Insurance in Piedmont

  • Average Renters Insurance in Piedmont :  $284($23/month)

  • Median Gross Rent in Piedmont :  $451

  • Piedmont Renters Insurance to Median Rent Ratio:  5.1%

  • Renter occupied housing units in Piedmont :  745

Piedmont Renters Insurance as a Percentage of Rent

Piedmont Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 100 14.0% $371
$200 to $299 80 11.0% $821
$300 to $499 205 30.0% $1271
$500 to $749 226 33.0% $1946
$750 to $999 60 8.0% $2696
$1,000 to $1,499 10 1.0% $3821

Rent Affordability in Piedmont:

Approximately 41.0% (310) of households are spending more than 35% of their income on gross rent in Piedmont

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 83 11.0%
15.0 to 19.9 percent 111 14.0%
20.0 to 24.9 percent 71 9.0%
25.0 to 29.9 percent 121 16.0%
30.0 to 34.9 percent 49 6.0%
35.0 percent or more 310 41.0%

Piedmont Renters Insurance Discounts:

Piedmont Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Piedmont, AL Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 466 62.0% $28.4
2 vehicles available 127 17.0% $42.6
3 or more vehicles available 19 2.0% $56.8

Protective device discount in Piedmont Up to :  $42

Claims-free discount in Piedmont Up to :  $56