Satsuma Insurance Rates:

Satsuma, AL home insurance is nearly $823 to $1,127, about $68-$93/month. Our thorough analysis indicates shoppers can save upto $390 by getting many quotes

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Satsuma Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Allstate
Home Insurance Rate of $510/7 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $335,000

5 Beds, 5 Baths 3250 sqft Primary Residence Constructed In 2002 with Linoleum, Membrane Roof, Slab Foundation, Brick siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

26 Years old Single Male who is a Freelancer with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $530/6 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $395,000

5 Beds, 5 Bath 3950 sqft Seasonal Residence Constructed In 1974 with Stone Flooring, Slate Shingles Roof, Chainwall Foundation, Brick siding, Metal Frame Construction. Home Features Include Fireplace, Deadbolt Locks, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

61 Years old Single Male who is Retired with household income of $25-50,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $260/6 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $205,000

3 Beds, 3 Bath 2180 sqft Primary Residence Constructed In 1976 with Wood Flooring, Asphalt Shingles Roof, Chainwall Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

52 Years old Divorced 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 :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $350/4 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $265,000

5 Beds, 5 Baths 3260 sqft Primary Residence Constructed In 1970 with Linoleum, Membrane Roof, Slab Foundation, Vinyl siding, Wood Frame. Home Features Include Fireplace, Fire Extinguisher, Deadbolt Locks, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $360/7 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $230,000

5 Beds, 5 Bath 2720 sqft Primary Residence Constructed In 2012 with Carpet over wood flooring, Metal Roof, Crawl Space Foundation, Vinyl siding, Wood Frame. Home Features Include Copper Water Pipes, Central Air Conditioning, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

56 Years old Single Female who is a Freelancer with household income of less than $25,000 and has 2 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 $270/4 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $180,000

4 Beds, 4 Baths 2110 sqft Vacation Property Constructed In 1973 with Linoleum, Composition Roof, Piers Foundation, Vinyl siding, Stucco Construction. Home Features Include Copper Water Pipes, Deadbolt Locks, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

68 Years old Single Female who has a Full Time Job with household income of $100-$150,000 and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $580/10 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $230,000

3 Beds, 3 Baths 2260 sqft Seasonal Residence Constructed In 2013 with Stone Flooring, Wood Shake Roof, Piers Foundation, Stone Siding, Metal Frame Construction. Home Features Include Swimming Pool, Indoor Sprinklers, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

63 Years old Married Female who is Retired and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $1240/12 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $315,000

4 Beds, 4 Baths 3400 sqft Seasonal Residence Constructed In 1985 with Ceramic Tile Flooring, Wood Shake Roof, Crawl Space Foundation, Stone Siding, Wood Frame. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

55 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 Smoker

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

  • 550-599 Credit Score

Home Insurance Rate of $120/1 month for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $275,000

4 Beds, 4 Baths 3050 sqft Vacation Property Constructed In 1970 with Carpet over wood flooring, Metal Roof, Chainwall Foundation, Wood siding, Wood Frame. Home Features Include Copper Water Pipes, Swimming Pool, Circuit Breaker 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 More than 3 Pets at home and is a Non-Smoker

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

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $160/1 month for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $450,000

5 Beds, 5 Baths 4260 sqft Seasonal Residence Constructed In 2011 with Carpet Flooring, Metal Roof, Slab Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Copper Water Pipes, Fire Extinguisher, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

56 Years old Single Female who has a Part Time Job with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Satsuma, AL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
36572 $148,100 $990

Satsuma Rates & Quotes Analysis:

Satsuma Area Estimated House Insurance
Woodland Ave, Le Moyne Cir, Lucas Rd, Baltimore Ct, Bass Ct, Lemans Dr N, Traveler Dr, 7th St, Patton Dr, Sarah St$969
Holly Dr, Darring Ave, Willow Walk Ct, Janlake Dr, Cantley Blvd, Michelle St, Apron Dr, McBride Cir S, Army Road Extension S, Gold Stream Dr E$974
Magnolia Ct, Margiana Dr, Kingston Ct, S Sheffield Cir, Bayou Ave W, Sam Royal Rd, Audubon Dr W, Ridge Rd, Celeste Oaks Ct N, Celeste Highland Dr S$987
Woodland Ave, Norton Dr, Kenneth Moss Ct, Racelia Dr, Tajaucha Dr E, Co Rd 55, Scanlan Way S, Madrid, Jared Ct, Ricky Ln$985
Bradley Rd N, Howell St, Glenway Dr, Carolina Ct, Dolphin Dr, Audubon Dr N, Orbit Ave, Baldwin Dr, E Maple Ave, Rio Hondo Dr$967

Insurance rates are influenced by a number of factors including:

  • Year Built: 308 Homes (12% of total) built between 1960 to 1969 in Satsuma are paying home insurance between $1,706-$1,721 in contrast with Spanish Fort (+$64), Daphne (+$54), Baldwin County (+$26), Saraland (-$20) and Creola (-$13).
  • Bedrooms: 254 2 bedrooms homes (10% of total homes ) in Satsuma are paying about $712 compared to Spanish Fort (+$16), Daphne (+$22), Tanner Williams (+$3), Saraland (-$9) and Creola (-$6).
  • Auto Insurance Bundling: 953 Households (45% of all households) in Satsuma have 2 vehicles available and when it is bundled with home insurance you can save $195. Discounts for similar bundling in close by locations such as Saraland, Creola, Axis come to $192, $193, $191 respectively.
  • Senior Discounts: 829 seniors (more than 55 years) occupied housing units (39% of total) in Satsuma get discounts between $145 to $147 compared to Saraland ($144), Creola ($145), Axis ($143).
  • New Homes discounts: New homes such as the 1,136 homes built between 2000 to 2009 in Satsuma can save $195 and similar new home insurance discounts in nearby towns and cities like Saraland, Creola and Axis are $192, $193 and $191 respectively.

Satsuma Homeowners insurance Facts

  • Satsuma, AL has 2,102 owner occupied houses which is 93.2% of all units whereas Saraland, Creola and Axis have 74.74%, 81.74% and 71.9% respectively.
  • Satsuma, AL homeowners yearly insurance price at $975 is 0.65% of the typical house value of $150,600 which is in contrast with 0.74% in Saraland, 0.71% at Creola & 0.8% in Axis.
  • Homeowners in Satsuma, AL pay 19.5% of their income (Less than $10,000) in insurance whereas homeowners in Saraland, Creola and Axis pay 19.24%, 19.34% and 19.12% respectively.
  • Satsuma, AL’s insurance is 6.1% of monthly housing costs of $1,344/month, for owners with a mortgage compared to 6.85% in Saraland, 6.92% at Creola & 5.2% in Axis. But, for households without a mortgage, insurance is 20.8% of costs ($391 in Satsuma, AL) in contrast with 21.78% in Saraland, 23.43% at Creola & 33.47% in Axis.

Satsuma, AL Home Values & Insurance rates

For example, insurance for 209 Homes (9.0% of total homes ) valued between $175,000 to $199,999 in Satsuma, AL is about $1,209. Rates in nearby areas in such as Spanish Fort, Daphne, Tanner Williams are cheaper by $310, $275, $35 respectively while Saraland and Creola are costlier by $176 and $106 respectively for similar homes.

Satsuma, AL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 30 1.0% $156
$70,000 to $79,999 105 5.0% $477
$80,000 to $89,999 168 8.0% $546
$90,000 to $99,999 73 3.0% $614
$100,000 to $124,999 261 12.0% $711
$125,000 to $149,999 377 18.0% $887
$150,000 to $174,999 410 19.0% $1043
$175,000 to $199,999 209 9.0% $1209
$200,000 to $249,999 265 12.0% $1452
$250,000 to $299,999 86 4.0% $1774
$300,000 to $399,999 82 3.0% $2262

Renters Insurance in Satsuma

  • Average Renters Insurance in Satsuma :  $203($16/month)

  • Median Gross Rent in Satsuma :  $1,009

  • Satsuma Renters Insurance to Median Rent Ratio:  1.59%

  • Renter occupied housing units in Satsuma :  153

Satsuma Renters Insurance as a Percentage of Rent

Satsuma Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 17 12.0% $1925
$750 to $999 51 36.0% $2675
$1,000 to $1,499 71 51.0% $3800

Rent Affordability in Satsuma:

Approximately 59.0% (91) of households are spending more than 35% of their income on gross rent in Satsuma

Occupied units paying gross rent Total Households % of Total
15.0 to 19.9 percent 34 22.0%
25.0 to 29.9 percent 28 18.0%
35.0 percent or more 91 59.0%

Satsuma Renters Insurance Discounts:

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

Number of Vehicles in Satsuma, AL Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 108 70.0% $20.3
2 vehicles available 45 29.0% $30.45

Protective device discount in Satsuma Up to :  $30

Claims-free discount in Satsuma Up to :  $40