Cullman Insurance Rates:

Cullman, AL homeowners insurance is roughly $809 to $1,099, about $67-$91/month. Our thorough research reveals consumers can save upto $381 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Allstate
I like that allstate insurance company is a common insurer. if i were to get in an accident, it is likely that the other insurer would be with allstate as well.
Allstate
I have never had any issues with their customer service, except it is easy to get the run around with some simple requests. If I call the local office, I have no issues, but once I called the 800 number and was redirected to a standalone office in another state.
Liberty Mutual
premium compared to the other insurance company is good. good premium coverage with this insurance company
Progressive
They certainly could have been clearer about the policy renewal. When I received the letter from them they did not indicate that the mortgage company had already paid in full.
Farmer's Insurance
I like the customer service overall. I feel like I am part of a family with them and they do their best to make sure that I am always happy.

Cullman, AL Homeowners Insurance By Home Value

Cullman, AL Home Value Total Homes % of Total Average Cullman, AL Homeowners Insurance
Less than $50,000 992 15.0% $200
$50,000 to $59,999 203 3.0% $429
$60,000 to $69,999 246 3.0% $534
$70,000 to $79,999 378 6.0% $610
$80,000 to $89,999 476 7.0% $696
$90,000 to $99,999 316 5.0% $782
$100,000 to $124,999 1,001 16.0% $906
$125,000 to $149,999 628 10.0% $1135
$150,000 to $174,999 669 10.0% $1335
$175,000 to $199,999 338 5.0% $1545
$200,000 to $249,999 418 6.0% $1860
$250,000 to $299,999 291 4.0% $2270
$300,000 to $399,999 299 4.0% $2890

Top Home Insurance Agents Near Cullman, AL

Home Insurance Company Near Cullman, AL Homeowners Insurance Agency Near Cullman, AL Address
NA Mailon Kent Insurance Agency P O Box 530097 Birmingham, Mountain Brook, AL, 35253
State Farm Ashley Caudle 1326 Main St Ste 112, Gardendale, AL, 35071-2471
Allstate Craig Wiggins 8075 Madison Blvd Ste 107, Madison, AL, 35758
Allstate Russ Duggar 3815 Highway 78 E, Jasper, AL, 35501
Farmers Zachary Mays 1062 N Brindlee Mountain Pkwy, Arab, AL, 35016

Cost Of Homeowners Insurance By Street Near Cullman, AL

Streets in Cullman Area Homeowners Insurance Cost
Chestnut Ave NE, Cleveland Ave SW, Oakhill Dr NW, Scenic Cir NE, Kessler Dr SE, Angie Dr NW, Waldrip Dr, Meadow Ln, Violet Ave NW, Midfield Dr$958
Henry Dr, Co Rd 441, Hanceville Rd E, Park Cir NW, 22nd St SE, Schwann Ave NE, Parker Ave SW, Louis Ave NW, Logan Dr SW, 11th Ave SE$955
Co Rd 1412, Ave D SE, Gold Mark Ct, Co Rd 1423, Co Rd 1315, 5th St SE, Lakeview Dr NW, Co Rd 602, Ann St NW, Co Rd 436$957
Hart Dr SE, Super Saver Rd, Knollwood Dr, Derby St SE, Co Rd 489, Co Rd 1154, Co Rd 721, Northwest Dr NW, Demorie Ave NW, Larry Ave SW$954
Co Rd 612, Main Ave NE, Teems Rd, Co Rd 756, Chatteau Dr NE, Hathcock Rd, 3rd St SW, Ave J, Ridge St NW, Co Rd 596$964

Cullman, AL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Cullman$142 to $145
Cullman County$142
Good Hope$141
East Point$138

Cullman, 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
Cullman County, Alabama $118 $157 $236
Good Hope town, Alabama $118 $157 $235
East Point CDP, Alabama $115 $153 $230

Cullman, 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
Cullman, AL7.7%27.4%
Cullman County7.98%25.46%
Good Hope8.34%29.93%
South Vinemont8.18%27.58%

Cullman Renters Insurance as a Percentage of Rent

Cullman Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 114 3.0% $361
$200 to $299 208 6.0% $811
$300 to $499 865 27.0% $1261
$500 to $749 1,232 38.0% $1936
$750 to $999 468 14.0% $2686
$1,000 to $1,499 241 7.0% $3811
$1,500 or more 46 1.0% $5461

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

Deductible Coverage Company Premium ($)
$500 $150,000 Alfa Mutual Insurance Company 1528
$500 $150,000 Auto Owners Ins Company 1430
$500 $150,000 Farmers Insurance Exchange 1412
$500 $150,000 State Farm Fire & Casualty Company 1940
$500 $150,000 Usaa Casualty Insurance Company 1337
$500 $300,000 Amica Mutual Ins Company 3020
$500 $300,000 Country Casualty Insurance Company 2073
$500 $300,000 Nationwide General Ins Co 1151
$500 $300,000 Safeco Insurance Company Of America 1841

Cullman, AL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,500$2,500
Yearly Cullman Homeowner Insurance Premium Example $1,000$800
Out of Pocket Expense During Claim$1,500$2,500
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $9,500$8,900
Net Savings to Cullman Home Owner from High Deductible Plan $600

Cullman, AL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Cullman, AL Home Replacement Value MORE than Home Value Cullman, AL Home Replacement Value LESS than Home Value
Replacement Value $134,500 $83,000
Insurance Premium based on Replacement Value $775 $475
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $34,000 Risk Exposure from Under Insuring Coverage is $17,500
Premium Impact Insurance cheaper by $100/year Insurance costlier by $200/year

Example Cullman Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceState FarmAllstate
Monthly Premium 674671
Year Built 200019721984
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 1 Baths
Coverage Amount $175000-$200000$125000-$150000$175000-$200000
Deductible $2500-$5000 Deductible$1000-$2500 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2006 250,000 Wood Shake Roof 2,910 5 $2500-$5000 Deductible 290 3 Fiber-Cement Siding No
1993 175,000 Membrane Roof 2,110 4 $5000 to $10,000 Deductible 320 9 Stone Siding No
1988 110,000 Asphalt Shingles Roof 1,730 3 $2500-$5000 Deductible 280 9 Brick siding No
1985 125,000 Slate Shingles Roof 1,480 3 $500- $1000 Deductible 540 12 Stucco siding No
1979 360,000 Asphalt Shingles Roof 4,560 5 $500- $1000 Deductible 1100 8 Stucco siding yes
1982 175,000 Composition Roof 2,430 4 $500- $1000 Deductible 380 8 Fiber-Cement Siding yes
1996 390,000 Wood Shake Roof 4,230 5 $2500-$5000 Deductible 1440 12 Wood siding No
1987 190,000 Membrane Roof 3,020 4 $500- $1000 Deductible 650 9 Stucco siding No
1983 155,000 Composition Roof 2,380 4 $500- $1000 Deductible 190 4 Stone Siding yes
1988 205,000 Composition Roof 2,440 5 $2500-$5000 Deductible 190 3 Brick siding yes
2005 315,000 Slate Shingles Roof 3,750 5 $2500-$5000 Deductible 530 7 Wood siding No
1999 340,000 Shingles Roof 3,810 5 $5000 to $10,000 Deductible 920 10 Vinyl siding yes
1977 185,000 Asphalt Shingles Roof 2,990 4 $500- $1000 Deductible 310 4 Vinyl siding yes
1989 210,000 Shingles Roof 3,060 5 $5000 to $10,000 Deductible 200 3 Wood siding yes
1980 145,000 Wood Shake Roof 2,310 3 $2500-$5000 Deductible 120 4 Wood siding yes
1971 215,000 Slate Shingles Roof 2,450 4 $500- $1000 Deductible 230 4 Stone Siding No
2000 150,000 Tile Roof 2,300 4 $500 Deductible 870 10 Fiber-Cement Siding yes
1983 205,000 Metal Roof 2,380 3 $500- $1000 Deductible 640 9 Fiber-Cement Siding yes
1978 105,000 Shingles Roof 1,600 4 $500 Deductible 450 8 Fiber-Cement Siding yes
1998 225,000 Composition Roof 3,070 5 $500- $1000 Deductible 490 5 Brick siding yes
1971 205,000 Slate Shingles Roof 2,260 3 $2500-$5000 Deductible 180 3 Brick siding yes
2000 170,000 Slate Shingles Roof 2,210 3 $2500-$5000 Deductible 450 10 Wood siding No
1974 175,000 Slate Shingles Roof 2,490 5 $500 Deductible 180 3 Wood siding yes
2009 340,000 Wood Shake Roof 3,760 5 $500- $1000 Deductible 1180 8 Vinyl siding yes
1997 400,000 Shingles Roof 4,420 5 $500- $1000 Deductible 1000 5 Vinyl siding No
1991 230,000 Slate Shingles Roof 3,230 5 > $10,000 Deductible 340 7 Fiber-Cement Siding yes
1991 145,000 Composition Roof 2,010 3 $1000-$2500 Deductible 230 6 Fiber-Cement Siding No
1988 165,000 Metal Roof 1,860 3 $5000 to $10,000 Deductible 580 12 Stone Siding No
1986 315,000 Wood Shake Roof 4,000 5 $1000-$2500 Deductible 930 10 Brick siding yes
1997 340,000 Metal Roof 4,330 5 > $10,000 Deductible 770 12 Brick siding No
2009 130,000 Slate Shingles Roof 2,040 3 $500 Deductible 470 12 Stucco siding No
1987 130,000 Slate Shingles Roof 2,000 4 $500 Deductible 460 10 Brick siding yes
1996 165,000 Asphalt Shingles Roof 2,010 4 $2500-$5000 Deductible 460 8 Fiber-Cement Siding No
2008 125,000 Tile Roof 1,530 5 $1000-$2500 Deductible 450 10 Vinyl siding yes