Albany Insurance Rates:

Albany, OR homeowners insurance is nearly $371 to $502, about $30-$41/month. Our detailed analysis indicates shoppers can save upto $174 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Old Republic
They have been great to deal with, especially when we had to file a claim. they really didn't give us too much trouble, and i respect that
Progressive
I don't like the billing system. we've had multiple problems trying to change a bank account online on their webpage, each month we change it and the next month it goes right back to the old bank account. this has caused a lot of headaches.
State Farm
The coverage i have through state farm is comprehensive and is regularly updated by the company as needed. the coverage limit increases as the value of my home goes up.

Albany, OR Homeowners Insurance By Home Value

Albany, OR Home Value Total Homes % of Total Average Albany, OR Homeowners Insurance
Less than $50,000 1,369 11.0% $61
$80,000 to $89,999 261 2.0% $214
$90,000 to $99,999 161 1.0% $240
$100,000 to $124,999 879 7.0% $275
$125,000 to $149,999 1,393 11.0% $345
$150,000 to $174,999 2,019 17.0% $410
$175,000 to $199,999 1,566 13.0% $471
$200,000 to $249,999 1,804 15.0% $568
$250,000 to $299,999 1,289 10.0% $694
$300,000 to $399,999 831 7.0% $882

Top Home Insurance Agents Near Albany, OR

Home Insurance Company Near Albany, OR Homeowners Insurance Agency Near Albany, OR Address
Farmers David Schwieger 2655 Willamette St, Eugene, OR, 97405
State Farm Deann Mathison 3762 W. 11th Ave., Eugene, OR, 97402-3010
Liberty Mutual Iain Cryer 940 Willamette Street Suite 450, Eugene, OR, 97401
Travelers Networked Insurance Agents Llc 1538 QUEEN AVE SE, ALBANY, OR, 97321
Farmers Zachary Steele 3400 State St Ste G710, Salem, OR, 97301

Cost Of Homeowners Insurance By Street Near Albany, OR

Streets in Albany Area Homeowners Insurance Cost
Main St NE, 28th Ave SE, 21st Ave SE, Griffith Dr, Broadalbin St NW, NE Stormy St, Berry Dr NE, NE Creekside Dr, 14th Ave SE, N Lake Creek Dr$439
Walnut Dr SW, Pirtle Dr SW, Yih Ln NE, 21st Pl SE, E Water Ave, Evergreen St SE, 38th Ave SE, 21st Pl SE, Seven Mile Way SE, Salem Ave SE$434
Crescent Dr SW, 22nd Ct, NE Spring Ave, 41st Ave SE, Aztec Loop, 23rd Ave SE, 11th Ave SW, Creel Ave, Clover Ridge Rd NE, Fox Dr NE$442
Breakwood Cir SE, Walnut St SW, Sunnyview Dr NE, Alexander Ln NE, Seven Mile Ln, Lockwood Pl SE, Shortridge St SE, Pine St SE, Waverly Dr NE, McFarland Rd$442
NE Atec Loop, Bobcat Ave SW, Becker Cir SE, 20th Ave SW, Willamette Ave NE, Orleans Rd SW, San Felicia Ave SE, Crittenden St SW, Antelope Ct SW, 45th Ct SE$440

Albany, OR Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Albany$65 to $67
Tangent$65
North Albany$68
Millersburg$67

Albany, OR Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Tangent city, Oregon $65 $87 $131
North Albany CCD, Benton County, Oregon $68 $91 $137
Millersburg city, Oregon $67 $89 $134

Albany, OR Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Albany, OR2.7%8.4%
Tangent2.58%11.41%
North Albany2.07%6.48%
Millersburg2.45%9.04%

Albany Renters Insurance as a Percentage of Rent

Albany Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 151 1.0% $344
$200 to $299 126 1.0% $794
$300 to $499 628 7.0% $1244
$500 to $749 2,920 36.0% $1919
$750 to $999 2,248 28.0% $2669
$1,000 to $1,499 1,592 20.0% $3794
$1,500 or more 285 3.0% $5444

Albany, OR Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$700$1,700
Yearly Albany Homeowner Insurance Premium Example $500$300
Out of Pocket Expense During Claim$700$1,700
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $4,700$4,100
Net Savings to Albany Home Owner from High Deductible Plan $600

Albany, OR Home Insurance Costs With Home Replacement Value Scenarios

Scenario Albany, OR Home Replacement Value MORE than Home Value Albany, OR Home Replacement Value LESS than Home Value
Replacement Value $273,000 $180,000
Insurance Premium based on Replacement Value $975 $650
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $53,500 Risk Exposure from Under Insuring Coverage is $39,500
Premium Impact Insurance cheaper by $125/year Insurance costlier by $200/year

Example Albany Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company TravelersNationwide InsuranceAllstate
Monthly Premium 263424
Year Built 200819871990
Home Details 3 Beds, 2 Baths4 Beds, 1 Baths5 Beds, 2 Baths
Coverage Amount $175000-$200000$250000-$300000$150000-$175000
Deductible $2500-$5000 Deductible> $10,000 Deductible$5000 to $10,000 Deductible

Sample Home Insurance Rates for Albany, OR from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2004 195,000 Asphalt Shingles Roof 2,310 4 $500 Deductible 240 5 Wood siding yes
1940 245,000 Metal Roof 2,240 5 $500- $1000 Deductible 630 10 Vinyl siding No
1975 235,000 Membrane Roof 2,080 4 $500 Deductible 660 12 Wood siding yes
1997 330,000 Membrane Roof 2,750 4 $1000-$2500 Deductible 590 9 Vinyl siding yes
1989 290,000 Composition Roof 3,320 4 $500- $1000 Deductible 430 7 Fiber-Cement Siding yes
1986 115,000 Metal Roof 1,370 3 $500 Deductible 100 3 Fiber-Cement Siding No
1996 220,000 Slate Shingles Roof 2,210 5 $2500-$5000 Deductible 190 6 Stucco siding yes
1973 175,000 Asphalt Shingles Roof 1,840 4 $1000-$2500 Deductible 230 10 Brick siding No
1995 120,000 Shingles Roof 1,470 3 $2500-$5000 Deductible 20 1 Vinyl siding yes
1973 185,000 Membrane Roof 2,080 5 $500- $1000 Deductible 310 6 Stucco siding No
1978 300,000 Tile Roof 2,580 4 $1000-$2500 Deductible 230 4 Brick siding yes
2014 255,000 Membrane Roof 2,980 4 $5000 to $10,000 Deductible 290 10 Vinyl siding yes
1949 165,000 Shingles Roof 1,810 4 $2500-$5000 Deductible 290 10 Stone Siding yes