Decatur, AL homeowners insurance is about $812 to $1,103, about $67-$91/month. Our comprehensive analysis shows customers can save as much as $382 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
| Home Insurance Company Near Decatur, AL | Homeowners Insurance Agency Near Decatur, AL | Address |
|---|---|---|
| State Farm | Brian King | 1785 Us Highway 72 E Ste A, Athens, AL, 35611-5155 |
| Allstate | David Farris | 1429 Weatherly Rd SE, Huntsville, AL, 35803 |
| Farmers | Gary Smith | 180 Old Highway 431 Ste E, Hampton Cove, AL, 35763 |
| State Farm | Rebecca Hovater | 501 S Montgomery Ave Ste C, Sheffield, AL, 35660-3861 |
| Liberty Mutual Independent | Rogers Parker & Assoc Inc | 110 W TENNESSEE ST, FLORENCE, AL, 35630 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Trinity town, Alabama | $147 | $196 | $294 |
| Morris Chapel CCD, Lawrence County, Alabama | $141 | $188 | $282 |
| Priceville town, Alabama | $149 | $198 | $297 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Decatur, AL | 7.4% | 25.2% |
| Trinity | 6.11% | 21.81% |
| Morris Chapel | 7.05% | 24.56% |
| Priceville | 5.85% | 23.8% |
| Decatur Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 171 | 2.0% | $359 |
| $200 to $299 | 560 | 6.0% | $809 |
| $300 to $499 | 1,779 | 20.0% | $1259 |
| $500 to $749 | 3,852 | 45.0% | $1934 |
| $750 to $999 | 1,336 | 15.0% | $2684 |
| $1,000 to $1,499 | 629 | 7.0% | $3809 |
| $1,500 or more | 178 | 2.0% | $5459 |
| Streets in Decatur Area | Homeowners Insurance Cost |
|---|---|
| Point Mallard Rd SE, Chestnut St SE, Anna Dr, Elliott St, Miller Pl, Blueberry Ln SW, 3rd Ave SW, Cedar Lake Rd SW, Dover Cir SW, Buena Vista Cir SE | $997 |
| A St NW, Carol Ln SE, Adams Dr NW, Oak St, Fletcher Ave SW, Bentley Dr SW, 8th Ave NW, Pine Ave SW, Baker Rd, Norris Mill Rd | $910 |
| Lancelot Dr SW, Little John St SW, Jackson St SE, Somerville Rd SE, 1st St NW, Carolina Ct, Prescott Dr, Line St NE, Creighton Ave SE, Trenton Pl | $964 |
| Briar Ave, Augusta Dr SW, Elliott St SE, Westwood Cir SW, 14th Ave SW, James St SW, Vicksburg Cir SW, Freeman Ave SW, Jefferson Ave SW, Murphree Rd SE | $991 |
| 4th St SW, Monticello St SW, W Burn Ct, Old Hwy 24, Selby Pvt Rd, Freeman Ave, Sims Rd SW, Brookridge Rd SW, 6th Ave SW, Hamaker St SW | $982 |
| McCartney St NW, 13th St SE, Winfrey Dr SW, Beech St SE, Valley Forge Rd SW, Old Trinity Rd, Cedar St, Prospect Dr SE, Terrapin Dr, Melbourne St SW | $1,005 |
| Whiteford Dr SW, Routon Ave SW, Forest Glen Dr, Church St SE, Ray Ave, Lee St NE, Church St NW, 4th Ave SW, Cedarhurst Ct, Cameron St SW | $994 |
| 21st Ave SE, Chadsworth St SW, Ragland St, Idlewild Pl SW, Palisade Ct SW, Starky Rd, Tammy St SW, Quince Dr SE, Ashenbury Park SW, Finley Dr NW | $979 |
| 2nd St NE, 15th Ave SE, Sandlin Rd SW, Elizabeth Ave SE, Cherry St NE, Minor Rd, Hempstead Ave, Brooks St SE, Hillcrest Dr, County Line Rd | $982 |
| Brenda St SW, Jackson St SE, Alexandria St SW, Memorial Dr SW, Vestavia Dr, Mulberry St, Hoover Ave, Slaten Rd, Piccadilly Circus SW, Clark St | $986 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Decatur | $143 to $146 |
| Trinity | $147 |
| Morris Chapel | $141 |
| Priceville | $149 |
| Deductible | Coverage | Company | Premium ($) |
|---|---|---|---|
| $500 | $150,000 | Fire Insurance Exchange | 1493 |
| $500 | $150,000 | Garrison Property And Casualty Insurance Company | 1245 |
| $500 | $150,000 | Nationwide Mutual Fire Ins Company | 1055 |
| $500 | $150,000 | Safeco Insurance Company Of America | 1018 |
| $500 | $150,000 | State Farm Fire & Casualty Company | 1827 |
| $500 | $150,000 | Usaa General Indemnity Co | 1265 |
| $500 | $300,000 | Alfa Mutual Insurance Company | 3191 |
| $500 | $300,000 | Country Casualty Insurance Company | 2073 |
| $500 | $300,000 | Farmers Insurance Exchange | 2702 |
| $500 | $300,000 | Nationwide General Ins Co | 1160 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $700 | $2,700 |
| Yearly Decatur Homeowner Insurance Premium Example | $900 | $500 |
| Out of Pocket Expense During Claim | $700 | $2,700 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $7,900 | $6,700 |
| Net Savings to Decatur Home Owner from High Deductible Plan | $1,200 | |
| Scenario | Decatur, AL Home Replacement Value MORE than Home Value | Decatur, AL Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $160,500 | $103,000 |
| Insurance Premium based on Replacement Value | $925 | $575 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $38,000 | Risk Exposure from Under Insuring Coverage is $19,500 |
| Premium Impact | Insurance cheaper by $125/year | Insurance costlier by $225/year |
| Insurance Company | Nationwide Insurance | Amica Mutual Insurance Company | Allstate |
| Monthly Premium | 27 | 33 | 72 |
| Year Built | 1998 | 2010 | 1979 |
| Home Details | 3 Beds, 2 Baths | 4 Beds, 2 Baths | 5 Beds, 4 Baths |
| Coverage Amount | $50000-$75000 | $100000-$125000 | $175000-$200000 |
| Deductible | $500- $1000 Deductible | $500- $1000 Deductible | $1000-$2500 Deductible |