Tuscumbia Insurance Rates:

Tuscumbia, AL home insurance is approximately $794 to $1,079, about $66-$89/month. Our complete guide indicates shoppers can save as much as $374 by getting many quotes

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Tuscumbia Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Liberty Mutual
Home Insurance Rate of $280/12 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $90,000

3 Beds, 3 Bath 1680 sqft Primary Residence Constructed In 2013 with Carpet over wood flooring, Wood Shake Roof, Piers Foundation, Stucco siding, Brick Frame. Home Features Include Smoke Alarm, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

39 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 Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $500/10 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $130,000

4 Beds, 4 Bath 2250 sqft Vacation Property Constructed In 2004 with Linoleum, Composition Roof, Piers Foundation, Stone Siding, Brick Frame. Home Features Include Fire Extinguisher, Swimming Pool, Fireplace, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

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

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $280/6 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $115,000

5 Beds, 5 Baths 1810 sqft Seasonal Residence Constructed In 2002 with Linoleum, Wood Shake Roof, Crawl Space Foundation, Stucco siding, Brick Frame. Home Features Include Fire Extinguisher, Swimming Pool, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

39 Years old Divorced Female who has a Full Time Job with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $380/7 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $115,000

4 Beds, 4 Bath 1950 sqft Primary Residence Constructed In 1948 with Carpet over wood flooring, Tile Roof, Crawl Space Foundation, Wood siding, Brick Frame. Home Features Include Fire Extinguisher, Central Air Conditioning, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $390/10 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $165,000

3 Beds, 3 Baths 2170 sqft Primary Residence Constructed In 1945 with Hardwood Flooring, Wood Shake Roof, Chainwall Foundation, Stucco siding, Wood Frame. Home Features Include Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

62 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 Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $40/1 month for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $75,000

3 Beds, 3 Baths 1210 sqft Seasonal Residence Constructed In 1997 with Stone Flooring, Composition Roof, Piers Foundation, Stucco siding, Metal Frame Construction. Home Features Include Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

49 Years old Married Male who has a Full Time Job with household income of $100-$150,000 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 $280/3 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $290,000

5 Beds, 5 Baths 4380 sqft Rental Property Constructed In 2008 with Stone Flooring, Membrane Roof, Piers Foundation, Stone Siding, Brick Frame. Home Features Include Central Air Conditioning, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

26 Years old Married Male who is a Freelancer with household income of $75-$100,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $230/6 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $105,000

4 Beds, 4 Baths 1660 sqft Rental Property Constructed In 2014 with Wood Flooring, Shingles Roof, Chainwall Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

54 Years old Single Female who is a Freelancer with household income of $75-$100,000 and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Tuscumbia, AL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
35674 $97,300 $950

Tuscumbia Rates & Quotes Analysis:

Tuscumbia Area Estimated House Insurance
Park Ave, Coldwater Dr, Ave A, Elm Dr, Bald Knob Rd, Waterloo Rd, Commanche Ln, Keller Ln, Holland Dr, Co Rd 47$936
Co Rd 59, Hester Rd, Roy McGuire Dr, Cambridge, E Girard Ave, S Broad St, Fairlane Ave, Almon Ave, Helen Ct Five, Wagon Montain Rd$977
Alma St, W California Dr, Colburn Mtn Rd, Willow Oak Dr, N Baker St, Vista Cir, McIntosh St, T Ed Campbell Dr, S High St, W Sycamore Dr$980
E Tuscumbia Decatur Hwy, Davison Ave, Colburn Mill Rd, Durwood Dr, Decatur St, Slay Dr, John R St, Winston Sq, Quarry Rd, S Indian St$952
E 4th St, Bernice St, W Fayette St, Grand Haven Dr, Fayette St, Rutland Ln, Center St, Emily Dr, N Wilson Dam Rd, E McGuire Dr$981

Insurance rates are influenced by a number of factors including:

  • Year Built: 732 Homes (18% of total) built between 1950 to 1959 in Tuscumbia are paying home insurance between $1,761-$1,775 and differs from Tri-Cities (+$25), Muscle Shoals (+$50), Colbert County (+$15), Town Creek (-$29) and Cherokee (-$16).
  • Bedrooms: 1,915 3 bedrooms homes (48% of total homes ) in Tuscumbia are paying about $881 in contrast with Tri-Cities (+$3), Muscle Shoals (+$5), Oakland (+$4), Sheffield (-$12) and Colbert County (-$11).
  • Auto Insurance Bundling: 660 Households (28% of all households) in Tuscumbia have 3 or more vehicles available and when it is bundled with home insurance you can save $234. Discounts for similar bundling in close by locations such as Sheffield, Tri-Cities, Muscle Shoals come to $233, $237, $240 respectively.
  • Senior Discounts: 1,272 seniors (more than 55 years) occupied housing units (55% of total) in Tuscumbia get discounts between $139 to $141 and differs from Sheffield ($140), Tri-Cities ($142), Muscle Shoals ($144).
  • New Homes discounts: New homes such as the 1,551 homes built between 2000 to 2009 in Tuscumbia can save $187 and differs from Sheffield ($186), Tri-Cities ($190), Muscle Shoals ($192).

Tuscumbia Homeowners insurance Facts

  • Tuscumbia, AL has 2,305 owner occupied houses which is 63.7% of all units whereas Sheffield, Tri-Cities and Muscle Shoals have 56.78%, 68.08% and 74.85% respectively.
  • Tuscumbia, AL homeowners yearly insurance price at $937 is 1.07% of the typical house value of $87,700 which is in contrast with 1.12% in Sheffield, 0.87% at Tri-Cities & 0.74% in Muscle Shoals.
  • Homeowners in Tuscumbia, AL pay 5.35% of their income ($15,000 to $19,999) in insurance whereas homeowners in Sheffield, Tri-Cities and Muscle Shoals pay 5.34%, 5.43% and 5.5% respectively.
  • Tuscumbia, AL’s insurance is 8.5% of monthly housing costs of $914/month, for owners with a mortgage compared to 7.8% in Sheffield, 7.53% at Tri-Cities & 7.01% in Muscle Shoals. But, for households without a mortgage, insurance is 21.6% of costs ($362 in Tuscumbia, AL) in contrast with 21.56% in Sheffield, 22.68% at Tri-Cities & 23.44% in Muscle Shoals.

Tuscumbia, AL Home Values & Insurance rates

For example, insurance for 192 Homes (8.0% of total homes ) valued between $125,000 to $149,999 in Tuscumbia, AL is about $1,461. Rates in nearby areas in such as Tri-Cities, Muscle Shoals, Colbert County are cheaper by $274, $451, $186 respectively while Sheffield and Town Creek are costlier by $70 and $528 respectively for similar homes.

Tuscumbia, AL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 325 14.0% $262
$50,000 to $59,999 145 6.0% $552
$60,000 to $69,999 233 10.0% $693
$70,000 to $79,999 274 11.0% $796
$80,000 to $89,999 239 10.0% $899
$90,000 to $99,999 133 5.0% $1011
$100,000 to $124,999 221 9.0% $1171
$125,000 to $149,999 192 8.0% $1461
$150,000 to $174,999 213 9.0% $1733
$175,000 to $199,999 156 6.0% $1995
$200,000 to $249,999 78 3.0% $2408
$250,000 to $299,999 43 1.0% $2942
$300,000 to $399,999 36 1.0% $3738

Renters Insurance in Tuscumbia

  • Average Renters Insurance in Tuscumbia :  $278($23/month)

  • Median Gross Rent in Tuscumbia :  $524

  • Tuscumbia Renters Insurance to Median Rent Ratio:  4.39%

  • Renter occupied housing units in Tuscumbia :  1,314

Tuscumbia Renters Insurance as a Percentage of Rent

Tuscumbia Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 146 12.0% $369
$200 to $299 183 15.0% $819
$300 to $499 249 20.0% $1269
$500 to $749 399 33.0% $1944
$750 to $999 160 13.0% $2694
$1,000 to $1,499 59 4.0% $3819
$1,500 or more 13 1.0% $5469

Protective device discount in Tuscumbia Up to :  $41

Claims-free discount in Tuscumbia Up to :  $55