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Birmingham, AL Home Values & Insurance Rates

Birmingham, AL Home Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 12,078 12.0% $200
$50,000 to $59,999 5,742 5.0% $420
$60,000 to $69,999 6,608 6.0% $525
$70,000 to $79,999 6,742 6.0% $602
$80,000 to $89,999 7,316 7.0% $688
$90,000 to $99,999 6,686 6.0% $764
$100,000 to $124,999 12,217 12.0% $889
$125,000 to $149,999 9,354 9.0% $1108
$150,000 to $174,999 7,981 8.0% $1309
$175,000 to $199,999 5,819 5.0% $1510
$200,000 to $249,999 6,839 7.0% $1825
$250,000 to $299,999 4,319 4.0% $2227
$300,000 to $399,999 5,812 5.0% $2829

Top Home Insurance Agents Near Birmingham, AL

Home Insurance Company Near Birmingham, AL Homeowners Insurance Agency Near Birmingham, AL Address
State Farm T K Smith Chfc 1500 Southlake Park, Birmingham, AL, 35244
NA James Kirk Enterprises, Llc Dba Complete Insurance Coverage 137 Business Center Dr Birmingham, Pelham, AL, 35244
Allstate Cynthia Stuman 4308 Center Point Rd, Pinson, AL, 35126
Liberty Mutual David Mcmillan 100 Corporate Parkway Suite 225, Birmingham, AL, 35242
State Farm Doug Camp 719b Battle St E, Talladega, AL, 35160-2546

Estimated Home Insurance By Street Area Near Birmingham, AL

Birmingham Area Estimated House Insurance
7th Ave W, Flight Dr, Old Leeds Ln, Bluemont St, Lakeland Ave, Lane Dr, Valley Lake Dr, Reed Rd NE, Yellowstone Dr, Appleberry Rd$954
7th Pl SW, Springs-Republic Rd, Hamilton Ave, 30th Ave N, Highgrove Cir, 55th St, Etna St, Dandridge Cir, 77th Pl S, 4th Place Cir NE$933
15th Ct NW, 23rd St SW, Sims Ave, Walnut Grove Rd, Wilkinson Rd, Wabash St, Center Ave, Aspen Run, Georgetown Ln, Turncliff Way$961
Oak Grove Rd, Courtney St, Woodvale Rd, Grand Rock Ln, Princeton Ave SW, E View Dr, Cooper Hill Ln, Mayfair Cir, 27th St, Selma Way$1,129
Pine Hill Rd, Lee St, Raleigh Ave, 6th Way NW, Carver St, Washington Ave SW, Mulberry Ave, Shady Dell Ln, 60th St N, National St$1,086
Loop Rd, Bethany Ave, Ryland Ave, Thompson St, Garrett Dr, Troy Ter, 19th Ter NE, 39th St N, Eadom Pl, Lucinda Robey Pl$921
Meadow Ct, Hayes Ln SW, Knollwood Dr, Matt Dr, Holt Dr, Old Town Rd, Stonehurst Dr, 87th St N, Edwards St, 25th Ave NW$918
Wedgewood Dr, Ligon St, N Cove Dr, Camille St, Collier Dr, Linpark Dr, Sterling Ridge Cir, Duster Ln, Springdale Rd N, Grayson Valley Dr$1,050
Jackson Blvd, 9th Ct SW, Hutson Ave N, Montrose Rd, Cynthia Dr, Birchwood Way, Randolph Pl, 2nd Ct N, Love Rd, 27th Pl S$1,303
Talmadge Ln, Chrysler Ln, Hamilton Ct, Glen Wood Dr, S Cedar Path Dr, Idaho Ave, Redwing Cir, Walnut Ave SW, E Norman St, 54th St$1,092

Savings on home insurance for senior occupied homes

PlaceSavings
Birmingham$143 to $145
Homewood$158
Jefferson County$145
Mountain Brook$182

Birmingham, AL 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
Birmingham, AL6.6%19.6%
Homewood5.05%17.17%
Jefferson County6.19%20.16%
Mountain Brook3.73%10.53%

Birmingham Renters Insurance as a Percentage of Rent

Birmingham Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 1,165 1.0% $360
$200 to $299 3,021 4.0% $810
$300 to $499 7,904 11.0% $1260
$500 to $749 21,926 30.0% $1935
$750 to $999 21,050 29.0% $2685
$1,000 to $1,499 13,270 18.0% $3810
$1,500 or more 2,914 4.0% $5460

Birmingham, AL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
35212 $89,900 $950
35217 $82,900 $940
35206 $80,400 $940
35228 $74,200 $930
35208 $72,300 $930
35224 $71,200 $930
35211 $70,300 $930
35204 $63,400 $920
35218 $62,200 $930
35221 $62,000 $920
35207 $58,300 $920
35234 $58,300 $920
35213 $453,300 $1,190
35223 $450,700 $1,190
35242 $332,300 $1,130
35243 $327,400 $1,120
35244 $282,700 $1,090
35209 $277,600 $1,070
35216 $255,800 $1,070
35226 $243,800 $1,050
35203 $227,300 $1,040
35222 $220,000 $1,050
35233 $192,900 $1,000
35205 $156,100 $990
35210 $140,800 $980
35235 $118,600 $960
35215 $107,200 $950
35214 $104,700 $950

Birmingham, AL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$500$1,500
Yearly Birmingham Homeowner Insurance Premium Example $800$600
Out of Pocket Expense During Claim$500$1,500
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $6,900$6,300
Net Savings to Birmingham Home Owner from High Deductible Plan $600

Birmingham, AL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Birmingham, AL Home Replacement Value MORE than Home Value Birmingham, AL Home Replacement Value LESS than Home Value
Replacement Value $66,000 $46,500
Insurance Premium based on Replacement Value $400 $275
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $10,500 Risk Exposure from Under Insuring Coverage is $9,000
Premium Impact Insurance cheaper by $75/year Insurance costlier by $50/year

Example Birmingham Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyAllstateState Farm
Monthly Premium 1322445
Year Built 194319781994
Home Details 5 Beds, 2 Baths2 Beds, 1 Baths4 Beds, 1 Baths
Coverage Amount $300000-$350000$75000-$100000$150000-$175000
Deductible $500 Deductible$2500-$5000 Deductible$5000 to $10,000 Deductible

Birmingham, AL Auto & Home Insurance Bundling Discounts

Place 1 Car Bundle Savings 2 Car Bundle Savings 3 Car Bundle Savings
Homewood city, Alabama $158 $211 $317
Jefferson County, Alabama $146 $194 $291
Mountain Brook city, Alabama $182 $242 $363

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1981 130,000 Metal Roof 1,900 3 $500- $1000 Deductible 380 8 Fiber-Cement Siding yes
1988 230,000 Composition Roof 2,690 4 $500 Deductible 190 2 Fiber-Cement Siding No
1961 125,000 Slate Shingles Roof 1,830 4 $2500-$5000 Deductible 130 4 Wood siding yes
1975 210,000 Composition Roof 3,360 4 $500 Deductible 280 4 Stucco siding yes
1943 160,000 Wood Shake Roof 1,780 5 $1000-$2500 Deductible 110 2 Brick siding yes
1993 95,000 Slate Shingles Roof 1,480 2 $2500-$5000 Deductible 210 10 Fiber-Cement Siding No
1996 180,000 Composition Roof 1,980 5 $500 Deductible 640 9 Brick siding yes
1968 230,000 Tile Roof 3,730 5 $500 Deductible 690 7 Stucco siding yes
1934 75,000 Tile Roof 2,127 4 $500 Deductible 80 4 Stucco siding No