Theodore Insurance Rates:

Theodore, AL home insurance is approximately $812 to $1,106, about $67-$92/month. Our exhaustive research reveals consumers can save as much as $383 by getting different quotes

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Read Theodore, Alabama Homeowners Insurance reviews & compare quotes to find the most reliable & cheapest quotes.

Theodore Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Farmers Insurance
Home Insurance Rate of $580/8 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $180,000

5 Beds, 5 Baths 2020 sqft Rental Property Constructed In 1992 with Hardwood Flooring, Membrane Roof, Crawl Space Foundation, Vinyl siding, Stucco Construction. Home Features Include Indoor Sprinklers, Deadbolt Locks, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

40 Years old Married Female 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 :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $70/1 month for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $240,000

4 Beds, 4 Baths 3040 sqft Primary Residence Constructed In 1999 with Stone Flooring, Asphalt Shingles Roof, Chainwall Foundation, Stucco siding, Metal Frame Construction. Home Features Include Smoke Alarm, Fireplace, Central Air Conditioning, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

24 Years old Married Male who is Unemployed and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $350/10 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $115,000

3 Beds, 3 Baths 1440 sqft Rental Property Constructed In 1996 with Ceramic Tile Flooring, Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Central Air Conditioning, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

34 Years old Single 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 :
  • 0-25% through paying our mortgage

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $130/3 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $140,000

3 Beds, 3 Bath 1530 sqft Seasonal Residence Constructed In 1980 with Carpet over wood flooring, Asphalt Shingles Roof, Chainwall Foundation, Stone Siding, Stucco Construction. Home Features Include Copper Water Pipes, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

42 Years old Single Female who is Unemployed and has 3 Pets and is a Smoker

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

  • 700-749 Credit Score

Home Insurance Rate of $50/1 month for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $180,000

4 Beds, 4 Bath 1860 sqft Vacation Property Constructed In 1978 with Hardwood Flooring, Membrane Roof, Crawl Space Foundation, Stone Siding, Wood Frame. Home Features Include Swimming Pool, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

64 Years old Married Male who is a Freelancer with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $640/8 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $260,000

4 Beds, 4 Baths 2920 sqft Rental Property Constructed In 1994 with Carpet over wood flooring, Wood Shake Roof, Piers Foundation, Wood siding, Brick Frame. Home Features Include Swimming Pool, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

66 Years old Single 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

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $550/7 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $190,000

4 Beds, 4 Bath 2960 sqft Vacation Property Constructed In 2010 with Carpet over wood flooring, Tile Roof, Crawl Space Foundation, Stone Siding, Stucco Construction. Home Features Include Deadbolt Locks, Fireplace, Smoke Alarm, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

32 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 Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $1020/5 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $425,000

5 Beds, 5 Bath 4940 sqft Seasonal Residence Constructed In 1997 with Carpet Flooring, Wood Shake Roof, Piers Foundation, Vinyl siding, Brick Frame. Home Features Include Fireplace, Indoor Sprinklers, Copper Water Pipes, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

51 Years old Married Male who is a Freelancer with household income of $75-$100,000 and has More than 3 Pets at home and is a Smoker

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

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $450/9 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $145,000

4 Beds, 4 Baths 2210 sqft Vacation Property Constructed In 2002 with Carpet Flooring, Composition Roof, Slab Foundation, Vinyl siding, Wood Frame. Home Features Include Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

42 Years old Divorced Male who is a Freelancer with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

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

  • 500-549 Credit Score

Home Insurance Rate of $220/5 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $135,000

5 Beds, 5 Baths 1770 sqft Primary Residence Constructed In 2004 with Linoleum, Membrane Roof, Crawl Space Foundation, Stucco siding, Wood Frame. Home Features Include Central Air Conditioning, Fire Extinguisher, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

43 Years old Divorced Male who has a Part 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 :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Theodore, AL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
36582 $124,700 $960

Theodore Rates & Quotes Analysis:

Theodore Area Estimated House Insurance
Spanish Trail Ct, Desiree Ct S, Blue Gill Cir, Lake Tahoe Dr, Pioneer Trace Dr, Rester Rd, Mary Dr, Carolyn Way, Rayco Rd, Cole Dr E$987
Bob St, Byrnewood Rd, Oriental Ave, Claudia Ln, Windy Ln, Canal Dr, Mitchell St, Wigfield Ct, Marie Rd, Bel Air Dr$934
Country Club Blvd, Kanode Rd, Cross Bow Ln, Roswell Rd S, Leo St Exd, Ann St, Katherin Hankins Dr, Rangeline Rd, Riverwood Lndg, Henning Dr E$968
Royal Oaks Dr, Lake Ruth Dr, Aloyis Dr, Lake Rd N, Lundy Ln, Viking Way, Langston Ct, Cumberland Dr, Lawrence Steiner Rd, Governor Wallace Dr$954
Alexandria Leigh Cir, Anthony Dr W, Gipson Rd, Helton Rd, Holloway Dr N, Queen Odella Dr E, Joe Carl Rd W, Pineview Ave, Horse Shoe Ln, Knight Dr$949

Insurance rates are influenced by a number of factors including:

  • Year Built: 1,339 Homes (13% of total) built between 1980 to 1989 in Theodore are paying home insurance between $1,430-$1,445 compared to Point Clear (+$44), Fairhope (+$83), Daphne (+$70), Belle Fontaine (-$50) and Chickasaw (-$37).
  • Bedrooms: 1,283 4 bedrooms homes (12% of total homes ) in Theodore are paying about $1,285 in contrast with Point Clear (+$29), Fairhope (+$73), Daphne (+$51), Belle Fontaine (-$55) and Tillmans Corner (-$7).
  • Auto Insurance Bundling: 1,713 Households (27% of all households) in Theodore have 3 or more vehicles available and when it is bundled with home insurance you can save $239. Discounts for similar bundling in close by locations such as Belle Fontaine, Tillmans Corner, Point Clear come to $231, $238, $247 respectively.
  • Senior Discounts: 3,389 seniors (more than 55 years) occupied housing units (53% of total) in Theodore get discounts between $143 to $146. The comparative concessions in proximate regions such as Belle Fontaine, Tillmans Corner and Point Clear are $138, $143 and $148 respectively.
  • New Homes discounts: New homes such as the 5,238 homes built between 2000 to 2009 in Theodore can save $191 in contrast with Belle Fontaine ($185), Tillmans Corner ($190), Point Clear ($197).

Theodore Homeowners insurance Facts

  • Theodore, AL has 6,288 owner occupied houses which is 67.4% of all units whereas Belle Fontaine, Tillmans Corner and Point Clear have 79.25%, 63.69% and 75.87% respectively.
  • Theodore, AL homeowners yearly insurance price at $959 is 0.77% of the typical house value of $124,300 which is in contrast with 1.32% in Belle Fontaine, 0.83% at Tillmans Corner & 0.58% in Point Clear.
  • Homeowners in Theodore, AL pay 19.18% of their income (Less than $10,000) in insurance whereas homeowners in Belle Fontaine, Tillmans Corner and Point Clear pay 18.5%, 19.08% and 19.76% respectively.
  • Theodore, AL’s insurance is 6.8% of monthly housing costs of $1,178/month, for owners with a mortgage compared to 6.32% in Belle Fontaine, 6.82% at Tillmans Corner & 5.45% in Point Clear. But, for households without a mortgage, insurance is 22.5% of costs ($355 in Theodore, AL) in contrast with 21.41% in Belle Fontaine, 24.09% at Tillmans Corner & 17.98% in Point Clear.

Theodore, AL Home Values & Insurance rates

For example, insurance for 946 Homes (16.0% of total homes ) valued between $125,000 to $149,999 in Theodore, AL is about $1,054. Rates in nearby areas in such as Point Clear, Mobile County, Fairhope are cheaper by $264, $9, $406 respectively while Belle Fontaine and Tillmans Corner are costlier by $759 and $81 respectively for similar homes.

Theodore, AL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 855 14.0% $191
$50,000 to $59,999 104 1.0% $402
$60,000 to $69,999 201 3.0% $498
$70,000 to $79,999 243 4.0% $575
$80,000 to $89,999 535 9.0% $652
$90,000 to $99,999 380 6.0% $728
$100,000 to $124,999 859 14.0% $843
$125,000 to $149,999 946 16.0% $1054
$150,000 to $174,999 621 10.0% $1246
$175,000 to $199,999 340 5.0% $1438
$200,000 to $249,999 349 5.0% $1735
$250,000 to $299,999 217 3.0% $2119
$300,000 to $399,999 221 3.0% $2694

Renters Insurance in Theodore

  • Average Renters Insurance in Theodore :  $234($19/month)

  • Median Gross Rent in Theodore :  $641

  • Theodore Renters Insurance to Median Rent Ratio:  2.96%

  • Renter occupied housing units in Theodore :  3,040

Theodore Renters Insurance as a Percentage of Rent

Theodore Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 200 7.0% $358
$200 to $299 124 4.0% $808
$300 to $499 174 6.0% $1258
$500 to $749 1,265 46.0% $1933
$750 to $999 606 22.0% $2683
$1,000 to $1,499 306 11.0% $3808
$1,500 or more 32 1.0% $5458

Rent Affordability in Theodore:

Approximately 48.0% (1,471) of households are spending more than 35% of their income on gross rent in Theodore

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 343 11.0%
15.0 to 19.9 percent 385 12.0%
20.0 to 24.9 percent 309 10.0%
25.0 to 29.9 percent 305 10.0%
30.0 to 34.9 percent 227 7.0%
35.0 percent or more 1,471 48.0%

Protective device discount in Theodore Up to :  $35

Claims-free discount in Theodore Up to :  $46