Alexander City Insurance Rates:

Alexander City, AL homeowners insurance is approximately $795 to $1,086, about $66-$90/month. Our in depth research reveals consumers can save upto $376 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
I do not like that my insurance company rates are higher than its competitors. i have quoted other insurance companies, like progressive, and they were significantly lower.
State Farm
I may be getting a good price, however, I was really turned off when I was looking at switching and the agent advised me that I am close to my anniversary date which will save me more money. The savings i.e. $4/month
State Farm
We have been with this company for 20 years. We are guaranteed to have this insurance - unless we do not pay the premium. That is good to have especially since I am 74 and my husband is 76.
Geico
The customer service has always been helpful and attentive. I feel like they treat me like a valued customer and not just an account or a line item. They have been very helpful to me over the years.
State Farm
I like that the company has a good reputation for providing the best coverage - I like knowing that if there is a claim that the company will not have an issue paying a reasonable claim

Alexander City, AL Homeowners Insurance By Home Value

Alexander City, AL Home Value Total Homes % of Total Average Alexander City, AL Homeowners Insurance
Less than $50,000 1,052 22.0% $244
$50,000 to $59,999 273 5.0% $517
$60,000 to $69,999 376 8.0% $648
$70,000 to $79,999 343 7.0% $742
$80,000 to $89,999 335 7.0% $846
$90,000 to $99,999 225 4.0% $949
$100,000 to $124,999 462 10.0% $1099
$125,000 to $149,999 300 6.0% $1372
$150,000 to $174,999 456 9.0% $1626
$175,000 to $199,999 106 2.0% $1870
$200,000 to $249,999 216 4.0% $2256
$250,000 to $299,999 214 4.0% $2754
$300,000 to $399,999 251 5.0% $3506

Top Home Insurance Agents Near Alexander City, AL

Home Insurance Company Near Alexander City, AL Homeowners Insurance Agency Near Alexander City, AL Address
State Farm Larry Davis 1707 7th St N, Clanton, AL, 35045-2142
NA Colonial Insurance Agency, Inc. 5251 Hampstead High St Unit 201, Montgomery, AL, 36116
NA Adamson Insurance Agency 88861 Hiway 9, Lineville, AL, 35266
NA Clarks Insurance Center Of Talladega 106 S Court Square, Talladega, AL, 35161
Farmers Angela Johnson 209 W College St, Columbiana, AL, 35051

Cost Of Homeowners Insurance By Street Near Alexander City, AL

Streets in Alexander City Area Homeowners Insurance Cost
Marshall St, Bass Rd, Scott Rd, Liberty Loop, Bolan Heights Dr, Parrish Dr, Hialeah Cir, Elkahatchee Rd, Oneil St, Luann Dr$973
Boxwood Dr, Verbena St, Harlan Rd, Thomas Rd, Meadowbrook Rd, Elk Dr, E Pine St, Pearl Dr, Gamble Pl, Martin Rd$941
Maynard St, Co Rd 33, 6th St Exd, Speake Rd, Oliver St, S Pl, 6th St, 15th Pl, Stansell Rd, Tank Rd$928
Clay St, Our Rd, Coke Ranch Ln, Dejarnette Rd, Carriage Cir, Terrace Ln, 6th St, N Central Ave, Coke Ranch Rd, Henry St$957
Overhill Dr, Semmes St, Meadows Dr, 13th Ave, Bainbridge Dr, Marina Rd, Mary Otha Rd, Greene St, Mill Sq, 12th Ave N$972

Alexander City, AL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Alexander City$140 to $143
Kellyton$136
Ray$147
Our Town$141

Alexander City, AL Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Kellyton town, Alabama $137 $182 $273
Ray CDP, Alabama $147 $196 $294
Our Town CDP, Alabama $141 $188 $282

Alexander City, AL 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
Alexander City, AL7.6%23.5%
Kellyton11.6%19.84%
Our Town7.61%23.53%
Hackneyville7.22%24.03%

Alexander City Renters Insurance as a Percentage of Rent

Alexander City Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 225 8.0% $368
$200 to $299 139 5.0% $818
$300 to $499 636 25.0% $1268
$500 to $749 1,043 41.0% $1943
$750 to $999 417 16.0% $2693
$1,000 to $1,499 60 2.0% $3818

Average Cost Of Home Insurance By Company In Areas Nearby Alexander City For Different Scenarios

Deductible Coverage Company Premium ($)
$500 $150,000 American National Property & Casualty Company 814
$500 $150,000 Country Mutual 1084
$500 $150,000 Esurance Insurance Company 1078
$500 $150,000 Nationwide General Ins Co 919
$500 $300,000 Allstate Vehicle And Property Insurance Company 1631
$500 $300,000 Armed Forces Insurance Exchange 1359
$500 $300,000 Auto Owners Ins Company 2624
$500 $300,000 Country Casualty Insurance Company 2510
$500 $300,000 Mid Century Ins Co 2691
$500 $300,000 United Services Automobile Association 1930

Alexander City, AL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,700$2,700
Yearly Alexander City Homeowner Insurance Premium Example $900$700
Out of Pocket Expense During Claim$1,700$2,700
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $8,900$8,300
Net Savings to Alexander City Home Owner from High Deductible Plan $600

Alexander City, AL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Alexander City, AL Home Replacement Value MORE than Home Value Alexander City, AL Home Replacement Value LESS than Home Value
Replacement Value $105,500 $64,500
Insurance Premium based on Replacement Value $525 $325
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $20,500 Risk Exposure from Under Insuring Coverage is $20,500
Premium Impact Insurance cheaper by $100/year Insurance costlier by $100/year

Example Alexander City Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Nationwide InsuranceGEICO InsuranceAmica Mutual Insurance Company
Monthly Premium 445675
Year Built 199719771967
Home Details 3 Beds, 1 Baths4 Beds, 3 Baths5 Beds, 2 Baths
Coverage Amount $100000-$125000$150000-$175000$175000-$200000
Deductible $500 Deductible$2500-$5000 Deductible$500- $1000 Deductible

Sample Home Insurance Rates for Alexander City, AL from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1974 95,000 Asphalt Shingles Roof 1,290 3 $500- $1000 Deductible 400 10 Vinyl siding yes
1998 170,000 Shingles Roof 2,160 3 $1000-$2500 Deductible 430 7 Vinyl siding No
1967 115,000 Membrane Roof 1,880 3 $500 Deductible 320 9 Stucco siding No
2009 205,000 Membrane Roof 2,890 4 $500- $1000 Deductible 480 7 Fiber-Cement Siding yes
2008 125,000 Asphalt Shingles Roof 1,870 3 $500- $1000 Deductible 420 8 Vinyl siding No
1975 120,000 Asphalt Shingles Roof 1,940 5 $500- $1000 Deductible 560 9 Fiber-Cement Siding yes
1964 85,000 Wood Shake Roof 1,530 5 $500- $1000 Deductible 230 6 Brick siding No
1962 335,000 Slate Shingles Roof 4,220 5 $2500-$5000 Deductible 1280 12 Wood siding No
1989 195,000 Wood Shake Roof 2,730 5 $500 Deductible 240 3 Vinyl siding No
1970 130,000 Metal Roof 2,250 3 $500- $1000 Deductible 300 8 Wood siding yes
1984 235,000 Shingles Roof 2,920 4 > $10,000 Deductible 60 1 Fiber-Cement Siding yes
1969 135,000 Shingles Roof 1,820 3 $500- $1000 Deductible 200 3 Fiber-Cement Siding No
1984 285,000 Tile Roof 4,850 5 $500- $1000 Deductible 1010 10 Vinyl siding No
1973 105,000 Metal Roof 1,550 3 $500 Deductible 400 10 Wood siding yes
1998 145,000 Asphalt Shingles Roof 2,440 5 $1000-$2500 Deductible 410 10 Wood siding No
1995 100,000 Membrane Roof 1,680 4 $500- $1000 Deductible 110 3 Fiber-Cement Siding yes
1995 120,000 Membrane Roof 1,620 3 $2500-$5000 Deductible 280 8 Wood siding yes
2001 135,000 Asphalt Shingles Roof 1,910 4 $500 Deductible 850 12 Stucco siding yes
1996 195,000 Wood Shake Roof 2,570 4 $2500-$5000 Deductible 820 12 Stucco siding yes
1981 95,000 Tile Roof 1,350 3 $500 Deductible 430 10 Vinyl siding yes
1969 195,000 Metal Roof 2,860 4 $500- $1000 Deductible 480 6 Brick siding No
1964 270,000 Asphalt Shingles Roof 4,830 5 $500 Deductible 1220 9 Wood siding No
1972 110,000 Membrane Roof 1,650 4 $1000-$2500 Deductible 540 12 Vinyl siding No
1995 125,000 Wood Shake Roof 2,100 4 $500- $1000 Deductible 220 6 Wood siding yes
2006 300,000 Tile Roof 3,820 5 $500 Deductible 370 4 Fiber-Cement Siding yes
1966 105,000 Slate Shingles Roof 1,860 4 $1000-$2500 Deductible 180 5 Stone Siding yes
1996 240,000 Shingles Roof 3,320 4 $500- $1000 Deductible 520 6 Fiber-Cement Siding No
1988 200,000 Tile Roof 2,860 5 $500- $1000 Deductible 450 8 Stucco siding yes
1961 195,000 Wood Shake Roof 2,890 4 $500- $1000 Deductible 70 1 Vinyl siding No
1984 190,000 Slate Shingles Roof 2,490 4 $1000-$2500 Deductible 680 9 Fiber-Cement Siding yes
1970 110,000 Membrane Roof 1,350 3 $500- $1000 Deductible 330 7 Vinyl siding yes
2000 110,000 Slate Shingles Roof 2,020 3 $2500-$5000 Deductible 170 8 Vinyl siding No
1964 180,000 Slate Shingles Roof 2,560 4 $1000-$2500 Deductible 370 6 Vinyl siding No
1978 180,000 Slate Shingles Roof 3,140 4 $500- $1000 Deductible 100 2 Brick siding yes