Andalusia, AL homeowners insurance is approximately $796 to $1,084, about $66-$90/month. Our exhaustive analysis indicates shoppers can save as much as $376 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
| Andalusia, AL Home Value | Total Homes | % of Total | Average Andalusia, AL Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 1,346 | 25.0% | $244 |
| $50,000 to $59,999 | 459 | 8.0% | $526 |
| $60,000 to $69,999 | 222 | 4.0% | $648 |
| $70,000 to $79,999 | 168 | 3.0% | $752 |
| $80,000 to $89,999 | 327 | 6.0% | $855 |
| $90,000 to $99,999 | 351 | 6.0% | $949 |
| $100,000 to $124,999 | 388 | 7.0% | $1099 |
| $125,000 to $149,999 | 417 | 8.0% | $1381 |
| $150,000 to $174,999 | 493 | 9.0% | $1626 |
| $175,000 to $199,999 | 297 | 5.0% | $1880 |
| $200,000 to $249,999 | 347 | 6.0% | $2265 |
| $250,000 to $299,999 | 166 | 3.0% | $2763 |
| $300,000 to $399,999 | 230 | 4.0% | $3515 |
| Home Insurance Company Near Andalusia, AL | Homeowners Insurance Agency Near Andalusia, AL | Address |
|---|---|---|
| NA | Acentria, Inc. | 776 Baldwin Ave Ste A , Defuniak Springs, FL, 32435 |
| NA | Insurance Solutions Group Of Greenville Llc | 415 E Commerce St, Greenville, AL, 36037 |
| Allstate | Bancorpsouth Ins | 1012 Douglas Ave, Brewton, AL, 36426 |
| Travelers | Legacy Insurance Of Nw Fl | 301 N Ferdon Blvd, Crestview, FL, 32536 |
| Liberty Mutual Independent | Witherington Ins Agency Inc | 1200 ELBA HWY, TROY, AL, 36079 |
| Streets in Andalusia Area | Homeowners Insurance Cost |
|---|---|
| Walden Ln, Mac - Marie Ln, Blake Pruit Ln, Regal Flats Dr, Hillcrest Dr, Cherokee St, Co Rd 98, Babbie Rd, McGowin St, Holly St | $916 |
| Elaine Rd, Bowers Rd, Minnow Ln, Bethel Rd, Lewis Carpenter Dr, Mills Rd, Main St, Dixon St, Hidden Forest Ln, Lucas Ln | $938 |
| Woodlawn Ave, Joe, Kearley Rd, Kersey Fish Pond Rd, Youpon Dr, Bagley St, King Rd, Beasley St, Austin Ln, E Watson St | $922 |
| Eagen Ave, Laurel Ln, Bethleham Rd, Hilda St, Riverside Rd, Veranda Ln, Dell Ln, Max Ln, Thweat St, E College St | $942 |
| Soggy Bottom Ln, 1st St, Regal Heights Dr, Beasley Ave, Red Oak Rd, Cawthon St, Music Rd, Cv Ln, Homer Smith Rd, Pate Rd | $942 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Andalusia | $140 to $143 |
| River Falls | $138 |
| Heath | $141 |
| Gantt | $137 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| River Falls town, Alabama | $116 | $154 | $231 |
| Heath town, Alabama | $118 | $157 | $235 |
| Gantt town, Alabama | $115 | $153 | $229 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Andalusia, AL | 8.1% | 24.3% |
| River Falls | 9.58% | 23.86% |
| Heath | 7.04% | 26.64% |
| Gantt | 11.52% | 19.52% |
| Andalusia Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 100 | 6.0% | $368 |
| $200 to $299 | 144 | 9.0% | $818 |
| $300 to $499 | 390 | 25.0% | $1268 |
| $500 to $749 | 508 | 33.0% | $1943 |
| $750 to $999 | 235 | 15.0% | $2693 |
| $1,000 to $1,499 | 85 | 5.0% | $3818 |
| $1,500 or more | 39 | 2.0% | $5468 |
| Deductible | Coverage | Company | Premium ($) |
|---|---|---|---|
| $500 | $150,000 | Alfa Mutual Insurance Company | 1276 |
| $500 | $150,000 | Allstate Vehicle And Property Insurance Company | 716 |
| $500 | $150,000 | Nationwide Mutual Fire Ins Company | 1036 |
| $500 | $300,000 | Coastal American Insurance Company | 472 |
| $500 | $300,000 | Country Mutual | 1760 |
| $500 | $300,000 | Garrison Property And Casualty Insurance Company | 1621 |
| $500 | $300,000 | Nationwide General Ins Co | 1192 |
| $500 | $300,000 | Nationwide Property & Casualty Ins Company | 1881 |
| $500 | $300,000 | Safeco Insurance Company Of America | 1745 |
| $500 | $300,000 | United Services Automobile Association | 1578 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $700 | $2,700 |
| Yearly Andalusia Homeowner Insurance Premium Example | $1,000 | $600 |
| Out of Pocket Expense During Claim | $700 | $2,700 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $8,700 | $7,500 |
| Net Savings to Andalusia Home Owner from High Deductible Plan | $1,200 | |
| Scenario | Andalusia, AL Home Replacement Value MORE than Home Value | Andalusia, AL Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $100,500 | $56,500 |
| Insurance Premium based on Replacement Value | $450 | $250 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $24,500 | Risk Exposure from Under Insuring Coverage is $19,500 |
| Premium Impact | Insurance cheaper by $75/year | Insurance costlier by $125/year |
| Insurance Company | Liberty Mutual | Farmers Insurance | GEICO Insurance |
| Monthly Premium | 18 | 60 | 61 |
| Year Built | 1980 | 1966 | 1978 |
| Home Details | 3 Beds, 1 Baths | 4 Beds, 3 Baths | 5 Beds, 3 Baths |
| Coverage Amount | $50000-$75000 | $150000-$175000 | $250000-$300000 |
| Deductible | $2500-$5000 Deductible | $500 Deductible | > $10,000 Deductible |
| Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
|---|---|---|---|---|---|---|---|---|---|
| 1971 | 95,000 | Tile Roof | 1,450 | 3 | $1000-$2500 Deductible | 240 | 7 | Wood siding | yes |
| 1977 | 230,000 | Composition Roof | 2,910 | 5 | $500 Deductible | 720 | 7 | Brick siding | yes |
| 1998 | 80,000 | Slate Shingles Roof | 1,210 | 3 | $500- $1000 Deductible | 220 | 8 | Fiber-Cement Siding | No |
| 1975 | 335,000 | Membrane Roof | 4,490 | 5 | $500- $1000 Deductible | 300 | 2 | Vinyl siding | No |
| 2003 | 265,000 | Shingles Roof | 3,340 | 5 | $500 Deductible | 680 | 6 | Wood siding | yes |
| 1969 | 135,000 | Shingles Roof | 2,370 | 3 | $500 Deductible | 320 | 8 | Vinyl siding | yes |
| 1965 | 160,000 | Wood Shake Roof | 2,250 | 5 | $1000-$2500 Deductible | 480 | 8 | Brick siding | No |
| 1994 | 190,000 | Metal Roof | 2,350 | 5 | $500 Deductible | 620 | 10 | Fiber-Cement Siding | No |
| 2003 | 115,000 | Tile Roof | 2,050 | 5 | $500- $1000 Deductible | 40 | 1 | Stucco siding | yes |
| 2008 | 140,000 | Asphalt Shingles Roof | 1,770 | 3 | $500- $1000 Deductible | 770 | 12 | Stone Siding | No |
| 1984 | 170,000 | Membrane Roof | 2,400 | 5 | $2500-$5000 Deductible | 410 | 9 | Fiber-Cement Siding | yes |
| 1974 | 115,000 | Composition Roof | 1,710 | 3 | $2500-$5000 Deductible | 50 | 1 | Vinyl siding | No |
| 1972 | 255,000 | Membrane Roof | 4,680 | 5 | $1000-$2500 Deductible | 470 | 6 | Brick siding | No |
| 1996 | 330,000 | Metal Roof | 5,000 | 5 | $5000 to $10,000 Deductible | 570 | 7 | Fiber-Cement Siding | yes |
| 1972 | 170,000 | Wood Shake Roof | 2,160 | 3 | $500- $1000 Deductible | 150 | 2 | Stucco siding | No |
| 2005 | 130,000 | Asphalt Shingles Roof | 1,920 | 4 | $1000-$2500 Deductible | 490 | 9 | Vinyl siding | yes |
| 1996 | 130,000 | Shingles Roof | 1,710 | 4 | $2500-$5000 Deductible | 40 | 1 | Stone Siding | No |
| 2001 | 140,000 | Slate Shingles Roof | 1,850 | 3 | $1000-$2500 Deductible | 140 | 3 | Stucco siding | No |
| 1995 | 125,000 | Wood Shake Roof | 1,690 | 3 | $1000-$2500 Deductible | 350 | 12 | Wood siding | No |
| 1964 | 140,000 | Tile Roof | 2,070 | 5 | $500- $1000 Deductible | 190 | 3 | Wood siding | No |
| 2005 | 105,000 | Composition Roof | 1,300 | 3 | $1000-$2500 Deductible | 140 | 4 | Wood siding | yes |
| 1988 | 135,000 | Slate Shingles Roof | 1,710 | 3 | $500- $1000 Deductible | 180 | 4 | Wood siding | No |
| 1993 | 225,000 | Tile Roof | 3,970 | 5 | $500 Deductible | 370 | 4 | Vinyl siding | yes |
| 1986 | 155,000 | Composition Roof | 2,240 | 3 | $5000 to $10,000 Deductible | 290 | 10 | Wood siding | yes |
| 1982 | 160,000 | Composition Roof | 2,220 | 3 | $500- $1000 Deductible | 210 | 4 | Stucco siding | No |
| 1968 | 290,000 | Metal Roof | 4,570 | 5 | > $10,000 Deductible | 690 | 10 | Fiber-Cement Siding | yes |
| 1992 | 135,000 | Tile Roof | 1,710 | 3 | $500- $1000 Deductible | 500 | 8 | Brick siding | yes |
| 1963 | 180,000 | Tile Roof | 2,270 | 4 | $5000 to $10,000 Deductible | 290 | 5 | Fiber-Cement Siding | No |
| 1985 | 95,000 | Wood Shake Roof | 1,260 | 3 | $1000-$2500 Deductible | 70 | 2 | Wood siding | No |
| 1975 | 130,000 | Composition Roof | 2,380 | 5 | $500- $1000 Deductible | 440 | 12 | Brick siding | yes |
| 1979 | 105,000 | Slate Shingles Roof | 1,720 | 3 | $1000-$2500 Deductible | 290 | 7 | Vinyl siding | yes |
| 1991 | 280,000 | Membrane Roof | 4,810 | 5 | > $10,000 Deductible | 600 | 10 | Brick siding | yes |
| 2006 | 240,000 | Metal Roof | 3,260 | 5 | $500 Deductible | 230 | 3 | Stucco siding | No |
| 1997 | 90,000 | Wood Shake Roof | 1,430 | 3 | $2500-$5000 Deductible | 340 | 12 | Stone Siding | No |