Chelsea Insurance Rates:

Chelsea, AL homeowners insurance is nearly $896 to $1,232, about $74-$102/month. Our complete guide indicates shoppers can save as much as $425 by comparing 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 really care of our provider. I went with the cheapest rate for the amount of coverage we needed.
Allstate
Great customer service, fast and efficient, coverage plans are inexpensive and specific, they are eager to communicate, and are fair during times of accidents
Geico
I don't like some of the ads they have on tv. while funny, they sometimes don't actually relate to the product. while it is relatively inexpensive, it would probably be cheaper if they didn't waste money putting lizards on tv.
Allstate
I have been with them and will continue to be. they keep me going and keep me covered and do not want to switch at this point and no reason to
Progressive
I have not had to really deal with anyone but I have chatted online a couple times and they seem to be helpful. I am hoping I will feel the same way if I really need them.
State Farm
We had flood damage in a prior home and working with the company during that event was a positive experience. We recently relocated and we had a good experience in getting set up with a new agent in our new area. Both agents were very responsive and helpful in our interactions.
Travelers
Every time you hear from them is just negative speak about what is wrong never good news
Allstate
The customer service for Allstate is great. They always answer my calls and I do not have to wait long at all with their helplines
Allstate
When I talk to others about their insurance, some pay more and some pay less. I also check other insurance companies annually to compare. I don't pay the lowest but it is also not the highest. I think that I am paying a fair price for the coverage that I have. I want a little more than just basic coverage and I am willing to pay for it.
Geico
As long as someone has the same type of house, in my neighborhood, I would recommend simply base on the overall cost. Plus, if they also go cover their auto with them.

Chelsea, AL Homeowners Insurance By Home Value

Chelsea, AL Home Value Total Homes % of Total Average Chelsea, AL Homeowners Insurance
Less than $50,000 517 7.0% $85
$50,000 to $59,999 100 1.0% $180
$70,000 to $79,999 125 1.0% $266
$80,000 to $89,999 118 1.0% $297
$100,000 to $124,999 229 3.0% $393
$125,000 to $149,999 400 5.0% $489
$150,000 to $174,999 557 7.0% $574
$175,000 to $199,999 751 10.0% $670
$200,000 to $249,999 1,424 20.0% $808
$250,000 to $299,999 955 13.0% $989
$300,000 to $399,999 1,713 24.0% $1255

Top Home Insurance Agents Near Chelsea, AL

Home Insurance Company Near Chelsea, AL Homeowners Insurance Agency Near Chelsea, AL Address
NA Galactic Insurance Services 1025 23Rd St S Ste 201, Birmingham, AL, 35205
Nationwide Burchell Insurance Agency Inc 16233 HWY 280 STE E, Chelsea, AL, 35043
Travelers Collins Ins Agcy Inc 2200 VALLEYDALE RD STE 201, BIRMINGHAM, AL, 35244
Travelers The Insurance Store Inc 521 FIRST STREET NORTH, ALABASTER, AL, 35007
State Farm Tim Johns 1747 Oxmoor Rd, Homewood, AL, 35209-4048

Chelsea, AL Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Chelsea, AL

Streets in Chelsea Area Homeowners Insurance Cost
Hwy 439, Co Rd 433, Meadowcroft Cir, Regency Way, N Broken Bow Dr, Lenox Dr, Skylark Dr, Bowling Dr, Andover Dr, Wehapa Lake Cir$1,062
Shephard Gap Rd, Willow Creek Cir, Bell Dr, Simmons Dr, Mill Creek Dr, Shoal Run Trl, Highland Lakes Ln, Drennen Cir, Meadow Lake Ln, Co Rd 377$957
Southledge Rd, Linwood Rd, Grimes Settlement Rd, Old Hwy 280, Edgeland Rd, Lyndon Dr, Amore Ln, S Bishops Rock, Bear Ln, Portobello Rd$992
Shandwick Trce, Meadow Dr, Hwy 57, Mt Laurel St, Bob Hood Branch, Merry Glen Ln, Cripple Creek Ln, New Bridge Ln, Wingfield Trce, Aslan Forest$922
Sullivan Dr, Little Yellow Leaf Dr, Sweet Gum Dr, N Lake Rd, Co Rd 32, Nolen St, Missionary Ridge Dr, Milner''s Cres, Salser Ln, Tyler Dr$991

Chelsea, AL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Chelsea$158 to $161
Shoal Creek$169
Vandiver$141
Westover$147

Chelsea, 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
Shoal Creek CDP, Alabama $170 $226 $339
Vandiver CDP, Alabama $141 $188 $282
Westover town, Alabama $148 $197 $296

Chelsea, 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
Chelsea, AL4.4%19.4%
Shoal Creek4.68%25.13%
Vandiver8.69%20.1%
Westover6.04%26.22%

Chelsea Renters Insurance as a Percentage of Rent

Chelsea Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 690 21.0% $1881
$750 to $999 1,465 45.0% $2631
$1,000 to $1,499 617 19.0% $3756
$1,500 or more 445 13.0% $5406

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

Deductible Coverage Company Premium ($)
$500 $150,000 Alfa Mutual Insurance Company 1273
$500 $150,000 Coastal American Insurance Company 1272
$500 $300,000 Allstate Vehicle And Property Insurance Company 1631
$500 $300,000 Auto Owners Ins Company 2624
$500 $300,000 Guideone Mutual Insurance Company 1714
$500 $300,000 Mid Century Ins Co 2691
$500 $300,000 Nationwide General Ins Co 1480
$500 $300,000 Nationwide Mutual Fire Ins Company 2397
$500 $300,000 Safeco Insurance Company Of America 1631
$500 $300,000 State Farm Fire & Casualty Company 2672

Chelsea, AL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,800$2,800
Yearly Chelsea Homeowner Insurance Premium Example $1,400$900
Out of Pocket Expense During Claim$1,800$2,800
Total Home Insurance Premium for 3 years + Out of Pocket Expense for Claim $6,000$5,500
Net Savings to Chelsea Home Owner from High Deductible Plan $500

Chelsea, AL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Chelsea, AL Home Replacement Value MORE than Home Value Chelsea, AL Home Replacement Value LESS than Home Value
Replacement Value $472,000 $306,000
Insurance Premium based on Replacement Value $2,700 $1,750
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $71,500 Risk Exposure from Under Insuring Coverage is $94,500
Premium Impact Insurance cheaper by $550/year Insurance costlier by $400/year

Example Chelsea Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceFarmers InsuranceChubb Group of Insurance
Monthly Premium 194176108
Year Built 200219932013
Home Details 5 Beds, 2 Baths4 Beds, 3 Baths3 Beds, 1 Baths
Coverage Amount $600000-$700000$350000-$400000$300000-$350000
Deductible $5000 to $10,000 Deductible$500- $1000 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2007 360,000 Tile Roof 2,090 4 $500 Deductible 250 2 Brick siding yes
2012 230,000 Membrane Roof 1,260 3 $500- $1000 Deductible 460 4 Vinyl siding yes
1992 660,000 Metal Roof 4,170 5 $2500-$5000 Deductible 1200 7 Stone Siding No
1993 215,000 Membrane Roof 1,590 5 $500 Deductible 790 10 Fiber-Cement Siding No
2006 280,000 Asphalt Shingles Roof 1,640 4 $2500-$5000 Deductible 1250 12 Fiber-Cement Siding yes
2001 555,000 Composition Roof 4,070 5 $500- $1000 Deductible 2310 10 Fiber-Cement Siding yes
2003 185,000 Wood Shake Roof 1,400 2 $500- $1000 Deductible 150 2 Stucco siding No
2011 350,000 Tile Roof 1,940 3 $2500-$5000 Deductible 650 6 Stone Siding No
2010 320,000 Wood Shake Roof 2,010 5 $500 Deductible 470 3 Stone Siding yes
2006 540,000 Composition Roof 3,940 5 $5000 to $10,000 Deductible 880 7 Brick siding yes
2000 690,000 Wood Shake Roof 3,910 5 $500- $1000 Deductible 790 3 Brick siding yes
1998 315,000 Slate Shingles Roof 2,040 3 $1000-$2500 Deductible 700 6 Stone Siding yes
1996 375,000 Wood Shake Roof 2,080 3 > $10,000 Deductible 550 8 Vinyl siding yes
2005 415,000 Metal Roof 2,530 4 $500 Deductible 1470 8 Wood siding No
2014 810,000 Membrane Roof 4,860 5 $500- $1000 Deductible 660 2 Brick siding yes
2006 255,000 Asphalt Shingles Roof 1,740 2 $1000-$2500 Deductible 920 12 Stone Siding No
2010 255,000 Membrane Roof 1,530 5 > $10,000 Deductible 260 5 Wood siding No
1996 300,000 Composition Roof 2,290 3 > $10,000 Deductible 190 3 Stone Siding yes
1992 250,000 Composition Roof 1,610 3 $1000-$2500 Deductible 560 6 Stone Siding yes
2007 295,000 Tile Roof 1,700 4 $1000-$2500 Deductible 640 6 Stone Siding yes
1997 470,000 Slate Shingles Roof 3,130 4 $2500-$5000 Deductible 1230 10 Brick siding yes
1992 295,000 Composition Roof 1,620 4 $2500-$5000 Deductible 820 10 Brick siding No
1997 340,000 Composition Roof 2,480 4 $2500-$5000 Deductible 600 5 Fiber-Cement Siding yes
1991 195,000 Metal Roof 1,210 2 $500- $1000 Deductible 150 2 Vinyl siding No
2014 545,000 Slate Shingles Roof 3,760 5 $2500-$5000 Deductible 2170 10 Vinyl siding yes
2014 315,000 Slate Shingles Roof 2,010 3 > $10,000 Deductible 770 10 Fiber-Cement Siding No
1990 245,000 Wood Shake Roof 1,350 3 $500 Deductible 320 3 Stucco siding No
2000 230,000 Membrane Roof 1,760 4 > $10,000 Deductible 340 5 Vinyl siding No
2006 240,000 Membrane Roof 1,500 3 > $10,000 Deductible 50 1 Stone Siding No
2013 230,000 Composition Roof 1,780 2 $2500-$5000 Deductible 440 6 Vinyl siding No
1997 470,000 Asphalt Shingles Roof 2,940 4 $5000 to $10,000 Deductible 1490 12 Brick siding yes
2010 735,000 Membrane Roof 4,050 5 $500- $1000 Deductible 2090 7 Fiber-Cement Siding No
2000 235,000 Shingles Roof 1,780 4 > $10,000 Deductible 500 8 Stucco siding yes
2004 395,000 Metal Roof 3,120 4 $500- $1000 Deductible 1550 10 Stucco siding yes

How To Make Your Chelsea, AL Home Insurance Cheaper

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