Auburn Insurance Rates:

Auburn, AL homeowners insurance is roughly $859 to $1,171, about $71-$97/month. Our detailed research shows customers can save upto $406 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Ways to Save on Homeowners Insurance Cost in Auburn, AL

In Auburn, AL homeowners pay an average home insurance rate of $1561. Homeowners in Auburn can use discounts offered by different companies to reduce their rates further. To save money on your monthly payments homeowners can take advantage of discounts offered by some of the leading insurers in town like Nationwide and State Farm for a lower cost than what is currently being charged.

Home Insurance Discounts Based on Deductibles 

Ways_to_Save_on_Homeowners_Insurance_Cost_in_Auburn_AL

A newly constructed Auburn home can enjoy $375 off on homeowners insurance. Houses are at their lowest propensity to damage when they're new, which is why companies offer attractive discounts for these homes as well. In contrast, older houses attract higher rates of repair and maintenance costs - a cost that's reflected in the price of your homeowner’s insurance premium and leads them to be charged an additional fee. For instance Auburn homes older than 40 and 50 years receive an additional charge of $41 and $59, respectively, on home insurance.

Homeowners in Auburn pay a small additional amount of $31 on their insurance premiums by installing a swimming  pool. Installing self-latching and self-closing gates around the pool also benefits your insurance rates and insurance companies provide discounts for the same. Additionally, senior citizens receive discounts on home insurance rates so it is a perk  that a household has at least one person over 50 years old living there.Homeowners who don't smoke or live with smokers may be eligible for an additional discount from certain companies too.

Although most of the factors that determine discounts cannot be controlled by  homeowners, they can benefit most by choosing deductibles to reduce home insurance rates. Homeowners can avail of attractive discounts by opting for higher deductibles. Auburn homeowners paying a high deductible of $2,500 can avail of a discount of $440.2 on homeowners insurance. Homeowners receive discounts of $368.71 and $247.57, respectively, on deductibles of $2,000 and $1,500.

Homeowners in Auburn who have a claims-free history with their home insurance company can receive discounts on their premiums.Homeowners with prior claims can pay more for factors such as the number and type of claims. By providing a history of zero claim, homeowners save money on their premiums in Auburn by $593.18 or $249.76 respectively based on two fire damage incidents or water-damage incidents they have experienced previously.

Auburn, AL Homeowners Insurance By Home Value

Auburn, AL Home Value Total Homes % of Total Average Auburn, AL Homeowners Insurance
Less than $50,000 837 10.0% $111
$60,000 to $69,999 147 1.0% $304
$70,000 to $79,999 128 1.0% $345
$80,000 to $89,999 141 1.0% $395
$90,000 to $99,999 121 1.0% $446
$100,000 to $124,999 529 6.0% $517
$125,000 to $149,999 673 8.0% $639
$150,000 to $174,999 908 10.0% $761
$175,000 to $199,999 800 9.0% $883
$200,000 to $249,999 1,691 20.0% $1055
$250,000 to $299,999 1,073 12.0% $1299
$300,000 to $399,999 1,225 14.0% $1644

Top Home Insurance Agents Near Auburn, AL

Home Insurance Company Near Auburn, AL Homeowners Insurance Agency Near Auburn, AL Address
Travelers J Smith Lanier & Co Of Birmingham 200 BROOKSTONE CENTRE PKWY STE 118, COLUMBUS, GA, 31904
State Farm Ken Currie 702 14th Street, Phenix City, AL, 36867-5047
Allstate Mark Shaw 4029 US Highway 231, Wetumpka, AL, 36093
State Farm Scott Lacey 3026 University Ave, Columbus, GA, 31907-2106
Travelers The Cone Insurance Company Inc 4121 Carmichael Rd Ste 401, Montgomery, AL, 36106

Auburn, AL Home Insurance Agents for Top Companies


Auburn, 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
Auburn-Opelika CCD, Lee County, Alabama $123 $163 $245
Loachapoka-Roxana CCD, Lee County, Alabama $125 $166 $249
Loachapoka town, Alabama $121 $161 $241

Auburn, 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
Auburn, AL5.6%21.4%
Auburn-Opelika6.4%21.82%
Loachapoka-Roxana5.28%23.76%
Loachapoka5.85%29.27%

Auburn Renters Insurance as a Percentage of Rent

Auburn Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 131 1.0% $781
$300 to $499 1,591 14.0% $1231
$500 to $749 3,587 31.0% $1906
$750 to $999 2,687 23.0% $2656
$1,000 to $1,499 2,094 18.0% $3781
$1,500 or more 1,073 9.0% $5431

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

Deductible Coverage Company Premium ($)
$500 $150,000 Mid Century Ins Co 1376
$500 $150,000 Nationwide Mutual Fire Ins Company 1046
$500 $150,000 Nationwide Property & Casualty Ins Company 1053
$500 $150,000 Safeco Insurance Company Of America 1041
$500 $150,000 State Farm Fire & Casualty Company 1653
$500 $300,000 Auto Owners Ins Company 1494
$500 $300,000 Country Mutual 1372
$500 $300,000 Garrison Property And Casualty Insurance Company 1459
$500 $300,000 Mid Century Ins Co 2266
$500 $300,000 Travelers Home And Marine Insurance Company 712

Auburn, AL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,100$2,100
Yearly Auburn Homeowner Insurance Premium Example $1,100$900
Out of Pocket Expense During Claim$1,100$2,100
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $9,900$9,300
Net Savings to Auburn Home Owner from High Deductible Plan $600

Auburn, AL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Auburn, AL Home Replacement Value MORE than Home Value Auburn, AL Home Replacement Value LESS than Home Value
Replacement Value $102,000 $63,500
Insurance Premium based on Replacement Value $600 $375
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $25,000 Risk Exposure from Under Insuring Coverage is $13,500
Premium Impact Insurance cheaper by $75/year Insurance costlier by $150/year

Example Auburn Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company TravelersFarmers InsuranceLiberty Mutual
Monthly Premium 12811465
Year Built 200519932010
Home Details 5 Beds, 2 Baths3 Beds, 1 Baths2 Beds, 1 Baths
Coverage Amount $400000-$500000$250000-$300000$150000-$175000
Deductible $5000 to $10,000 Deductible$1000-$2500 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1980 275,000 Tile Roof 2,630 4 $2500-$5000 Deductible 890 12 Stucco siding yes
2012 250,000 Asphalt Shingles Roof 2,350 3 $2500-$5000 Deductible 130 2 Stone Siding No
1995 320,000 Metal Roof 2,590 4 $2500-$5000 Deductible 310 4 Fiber-Cement Siding yes
2013 145,000 Asphalt Shingles Roof 1,510 2 $1000-$2500 Deductible 240 5 Vinyl siding No
1985 265,000 Tile Roof 1,880 3 $5000 to $10,000 Deductible 570 10 Stone Siding No
2012 235,000 Wood Shake Roof 2,290 5 $500 Deductible 420 6 Vinyl siding No
1990 200,000 Metal Roof 1,400 3 $2500-$5000 Deductible 410 5 Brick siding No
2011 135,000 Membrane Roof 1,390 2 $2500-$5000 Deductible 170 4 Stucco siding yes
1987 220,000 Membrane Roof 1,860 5 $1000-$2500 Deductible 440 6 Stucco siding yes
2013 275,000 Composition Roof 1,980 3 $5000 to $10,000 Deductible 100 1 Brick siding No
2011 140,000 Slate Shingles Roof 1,130 2 $500- $1000 Deductible 550 12 Vinyl siding yes
2000 360,000 Tile Roof 2,890 4 $500- $1000 Deductible 460 4 Stone Siding No
1998 345,000 Shingles Roof 3,340 4 > $10,000 Deductible 140 2 Fiber-Cement Siding yes
1983 350,000 Slate Shingles Roof 3,310 5 $500 Deductible 1720 12 Brick siding No
1984 305,000 Asphalt Shingles Roof 2,530 4 > $10,000 Deductible 340 6 Fiber-Cement Siding yes
2003 125,000 Slate Shingles Roof 1,120 2 $500- $1000 Deductible 130 2 Wood siding No
2014 130,000 Metal Roof 1,240 3 $2500-$5000 Deductible 30 1 Wood siding No
1983 190,000 Asphalt Shingles Roof 1,710 3 $500 Deductible 310 3 Wood siding yes
2014 155,000 Composition Roof 1,310 3 $2500-$5000 Deductible 420 8 Wood siding No
2008 295,000 Shingles Roof 2,880 4 $500 Deductible 1150 12 Wood siding No
2010 145,000 Metal Roof 1,320 3 $500- $1000 Deductible 290 4 Stone Siding yes
2000 305,000 Shingles Roof 2,760 4 $5000 to $10,000 Deductible 270 3 Vinyl siding No
1989 335,000 Slate Shingles Roof 3,020 4 $500 Deductible 1080 7 Vinyl siding No
1991 425,000 Shingles Roof 3,130 5 $5000 to $10,000 Deductible 1000 10 Stone Siding yes
1992 155,000 Wood Shake Roof 1,450 3 $500- $1000 Deductible 260 5 Vinyl siding No
2014 360,000 Asphalt Shingles Roof 2,740 5 $500 Deductible 1340 8 Brick siding No
1983 145,000 Metal Roof 1,080 2 $1000-$2500 Deductible 510 10 Wood siding No
1991 210,000 Wood Shake Roof 2,040 3 $1000-$2500 Deductible 490 8 Wood siding No
1998 225,000 Metal Roof 2,230 3 $5000 to $10,000 Deductible 220 4 Fiber-Cement Siding yes
2014 165,000 Shingles Roof 1,720 3 $500 Deductible 310 5 Stone Siding No
2005 235,000 Metal Roof 1,730 3 $500- $1000 Deductible 420 4 Stucco siding No
2013 380,000 Shingles Roof 3,980 5 $5000 to $10,000 Deductible 880 9 Stone Siding No
2014 155,000 Shingles Roof 1,410 2 $500- $1000 Deductible 560 10 Vinyl siding No
1989 205,000 Composition Roof 1,740 3 $500- $1000 Deductible 620 10 Vinyl siding yes

Latest Home Insurance Reviews

Dai-Ichi Insurance
There are also many outstanding products in the dai-ichi. it is a privilege to enroll in prestigious universities such as rmit, the university of the united states. i like your services but price too expensive among years, and no insurance for old men, rights are not good, the conditions of a life insurance contract are very complex and often the agent will "glance" at the risks and constraints to the buyer. evidence that these agents do not completely refer to the cancellation of the term contract is fined.
American Modern Insurance
My premium seems fairly reasonable for the home owners insurance coverage that we currently have. I haven't had a chance to compare it to other companies in great detail but it seems to be a normal amount for homes of our size.
State Farm
We are covered for theft, fire, freezing of the plumbing system, and wind damage. They cover total losses which is wonderful.
Liberty Mutual
What stood out is the deductible is only $250 which most i find in my area to be at $500+ and they offered to throw in half off of my boat insurance!
Allstate
The insurance claim process is surprisingly fast , with pretty descent premium cost.
State Farm
Since some of their experts may have to come from out of town, it can delay the repair response. this is especially true when it is in response to a natural disaster which affects many customers.
State Farm
My insurance agent is always available. i have my insurance agent's cell phone number and can text or call him any time i need. so if an emergency arises, he's available.
Farmer's Insurance
The company's website is pretty easy to use. I haven't had any trouble navigating it so far.
Liberty Mutual
I don't have to sit on hold forever when I call them, they are very communicative. They answer calls quickly as well as emails and keep things simple.
Geico
I do find them to be expensive and other coverage can be better, I would like to see deeper discounting
Geico
I can only say that it is at least convenient. If you don't have a clue at all, then buy a try first. Insurance is a very complicated thing. We have to keep learning to know.

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