Bay Minette Insurance Rates:

Bay Minette, AL homeowners insurance is roughly $808 to $1,104, about $67-$92/month. Our exhaustive research shows customers can save as much as $382 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
Over all state farm has been a great company, coverage is excellent for almost anything that could and does happen. online forms are quick and easy to fill out and the initial response is quite fast.
Allstate
I do not like the paper work that is involved in filing a claim. i do wish things were explained in easier to understand terms.
American Modern Insurance
I like very much that my premium is divided into quarterly payments. it would be painful for me at this time to have to pay the full amount at one time
Geico
We are very satisfied with all aspects of our Geico homeowner’s policy. We've found customer service to be helpful, as well as the app and website. I would recommend Geico to others for homeowners insurance.
State Farm
My friend cut me a deal on the policy since I've been referring him business. It is actually a lot less than other companies charge and that's really the bottom line there.

Bay Minette, AL Homeowners Insurance By Home Value

Bay Minette, AL Home Value Total Homes % of Total Average Bay Minette, AL Homeowners Insurance
Less than $50,000 1,097 17.0% $191
$50,000 to $59,999 249 4.0% $420
$60,000 to $69,999 173 2.0% $516
$70,000 to $79,999 361 5.0% $592
$80,000 to $89,999 643 10.0% $678
$90,000 to $99,999 295 4.0% $755
$100,000 to $124,999 620 10.0% $879
$125,000 to $149,999 416 6.0% $1099
$150,000 to $174,999 585 9.0% $1300
$175,000 to $199,999 403 6.0% $1500
$200,000 to $249,999 507 8.0% $1806
$250,000 to $299,999 413 6.0% $2208
$300,000 to $399,999 424 6.0% $2801

Top Home Insurance Agents Near Bay Minette, AL

Home Insurance Company Near Bay Minette, AL Homeowners Insurance Agency Near Bay Minette, AL Address
NA Pelican Insurance Agency, Llc 101 Lottie Ln Suite 2B, Fairhope, AL, 36532
Travelers Bancorpsouth Ins Services Inc 1012 DOUGLAS AVE, BREWTON, AL, 36426
State Farm Donna Gatlin 401 Sarald Blvd S, Saraland, AL, 36571-2812
Allstate Scott Soulant 504 N Section St, Fairhope, AL, 36532
Liberty Mutual Independent Underwood Anderson & Assoc Inc 2302 N 9TH AVE, PENSACOLA, FL, 32503

Cost Of Homeowners Insurance By Street Near Bay Minette, AL

Streets in Bay Minette Area Homeowners Insurance Cost
Bryars Cir, Shenandoah Dr, Norwood Ct, Antebellum Blvd, Magnolia Church Rd, McCoy Rd, Hack Rd, Northshore Dr, Brady Rd N, Bay Minette Byp$928
Fresh Water Dr, Maranda Ln, Marks Ave Exn, Silas Holmes Rd, Albert Reiben Rd, Bernard Johnson Rd, W Hardy Cir, S White Ave, Almyra St, Ryland St Exd$964
Quinley St, Sanks Rd, Eagle Ln, McCaw Pl, Steelwood Ridge Dr, Ryals Rd, Shining Ln, W Magnolia St, E Mango St, Joe Carter Rd$928
Old Stockton Rd, N Hoyle Ave, Bay Minette Byp, Sibley Rd, Ogden Exd, Williams Pl, Oscar Howard Rd, Lakeview Dr, Sunset Dr W, Byrne St$984
Military Bridge Dr, Gandy Rd, Barley Ct, Nicholsville Rd, Justin Ct, Hillview Rd, Herman Sledge Rd, Taylor St, Finley Ln, Hand Ave$990

Bay Minette, AL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Bay Minette$142 to $144
Loxley$143
Baldwin County$148
Spanish Fort$151

Bay Minette, 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
Loxley town, Alabama $143 $191 $287
Baldwin County, Alabama $148 $197 $296
Spanish Fort city, Alabama $152 $202 $303

Bay Minette, 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
Bay Minette, AL7.1%23.8%
Loxley6.9%24.36%
Baldwin County5.92%21.8%
Spanish Fort4.92%25.0%

Bay Minette Renters Insurance as a Percentage of Rent

Bay Minette Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 30 2.0% $360
$200 to $299 64 4.0% $810
$300 to $499 255 18.0% $1260
$500 to $749 516 37.0% $1935
$750 to $999 344 24.0% $2685
$1,000 to $1,499 125 9.0% $3810
$1,500 or more 45 3.0% $5460

Bay Minette, AL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,000$2,000
Yearly Bay Minette Homeowner Insurance Premium Example $700$500
Out of Pocket Expense During Claim$1,000$2,000
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $6,600$6,000
Net Savings to Bay Minette Home Owner from High Deductible Plan $600

Bay Minette, AL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Bay Minette, AL Home Replacement Value MORE than Home Value Bay Minette, AL Home Replacement Value LESS than Home Value
Replacement Value $92,000 $57,000
Insurance Premium based on Replacement Value $425 $275
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $23,500 Risk Exposure from Under Insuring Coverage is $11,500
Premium Impact Insurance cheaper by $50/year Insurance costlier by $100/year

Example Bay Minette Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmAmica Mutual Insurance CompanyNationwide Insurance
Monthly Premium 9410346
Year Built 201219801977
Home Details 3 Beds, 1 Baths4 Beds, 3 Baths5 Beds, 1 Baths
Coverage Amount $200000-$250000$200000-$250000$175000-$200000
Deductible $1000-$2500 Deductible$500 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1999 180,000 Composition Roof 2,810 4 $5000 to $10,000 Deductible 260 5 Stone Siding yes
1970 125,000 Shingles Roof 1,950 4 $2500-$5000 Deductible 250 7 Vinyl siding yes
1994 125,000 Slate Shingles Roof 1,440 3 $1000-$2500 Deductible 40 1 Vinyl siding yes
1977 145,000 Shingles Roof 1,610 5 $500- $1000 Deductible 130 2 Brick siding No
1992 300,000 Asphalt Shingles Roof 3,280 4 $500- $1000 Deductible 940 8 Brick siding No
1985 270,000 Tile Roof 2,940 4 > $10,000 Deductible 480 8 Wood siding yes
1994 125,000 Asphalt Shingles Roof 1,730 4 $500- $1000 Deductible 130 3 Stone Siding yes
2005 185,000 Composition Roof 3,010 4 $1000-$2500 Deductible 670 10 Wood siding No
1981 225,000 Shingles Roof 2,600 4 $500 Deductible 810 8 Stone Siding No
1997 140,000 Asphalt Shingles Roof 2,230 3 $1000-$2500 Deductible 600 12 Vinyl siding yes
2003 110,000 Shingles Roof 1,580 5 $500- $1000 Deductible 520 10 Brick siding yes
2012 295,000 Tile Roof 3,900 5 $5000 to $10,000 Deductible 520 10 Stone Siding yes
2014 210,000 Shingles Roof 2,260 3 $1000-$2500 Deductible 50 1 Stucco siding yes
1972 275,000 Tile Roof 2,930 4 $2500-$5000 Deductible 1380 12 Fiber-Cement Siding yes
2014 155,000 Composition Roof 1,990 3 $1000-$2500 Deductible 350 6 Fiber-Cement Siding No
2012 190,000 Composition Roof 2,150 4 $5000 to $10,000 Deductible 410 12 Stone Siding yes
1973 350,000 Metal Roof 4,780 5 $1000-$2500 Deductible 190 2 Fiber-Cement Siding yes
2002 185,000 Wood Shake Roof 2,300 3 $500 Deductible 990 10 Stone Siding No
1999 260,000 Slate Shingles Roof 3,100 5 $500 Deductible 190 2 Brick siding yes
1992 190,000 Wood Shake Roof 2,490 4 $500- $1000 Deductible 770 10 Fiber-Cement Siding yes
2013 105,000 Shingles Roof 1,490 3 $1000-$2500 Deductible 70 2 Wood siding yes
1978 160,000 Slate Shingles Roof 2,260 4 $1000-$2500 Deductible 140 3 Stucco siding yes
1980 320,000 Slate Shingles Roof 3,470 5 > $10,000 Deductible 340 5 Stone Siding yes
1991 155,000 Shingles Roof 1,940 3 $2500-$5000 Deductible 190 4 Brick siding yes
1986 150,000 Slate Shingles Roof 2,100 3 $2500-$5000 Deductible 300 6 Stucco siding No
1999 190,000 Composition Roof 2,310 4 $1000-$2500 Deductible 180 3 Fiber-Cement Siding No
2002 175,000 Metal Roof 2,720 4 $500- $1000 Deductible 640 10 Wood siding yes
2007 260,000 Slate Shingles Roof 2,870 4 $5000 to $10,000 Deductible 530 8 Fiber-Cement Siding No
2005 265,000 Wood Shake Roof 3,370 4 $2500-$5000 Deductible 1140 12 Stone Siding yes
1999 125,000 Shingles Roof 1,740 4 $500- $1000 Deductible 170 3 Wood siding No