Decatur, AL Home Insurance - Analysis On Quotes, Rates & Agents
Decatur Insurance Rates:
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.
Latest Home Insurance Reviews
AllstateI haven't filed any claims as of yet. thank god, but so far i like that i can pay online, saves me time and money
State FarmWhen i handled a claim a year ago i was very disappointed because they would not cover any of my damages. this was a terrible time for me in my life and the reason that i have them as my insurance is because it is the only one that fits my budget.
AllstateWell known insurance company
State FarmI use their website to confirm that my bills are paid. It's just really simple and doesn't inundate me with extraneous information
Amica Mutual InsuranceI like that the company is willing to help when I ask for help and they try to keep their premiums low to stay competitive in the market.
AllstateI have always received easy and full communication whenever I have sought it with my homeowner's insurance company.
Decatur, AL Homeowners Insurance By Home Value
| Decatur, AL Home Value | Total Homes | % of Total | Average Decatur, AL Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 1,424 | 9.0% | $191 |
| $50,000 to $59,999 | 541 | 3.0% | $411 |
| $60,000 to $69,999 | 692 | 4.0% | $507 |
| $70,000 to $79,999 | 945 | 6.0% | $583 |
| $80,000 to $89,999 | 1,203 | 8.0% | $660 |
| $90,000 to $99,999 | 950 | 6.0% | $736 |
| $100,000 to $124,999 | 2,025 | 13.0% | $861 |
| $125,000 to $149,999 | 1,590 | 10.0% | $1071 |
| $150,000 to $174,999 | 1,674 | 11.0% | $1272 |
| $175,000 to $199,999 | 957 | 6.0% | $1464 |
| $200,000 to $249,999 | 1,291 | 8.0% | $1760 |
| $250,000 to $299,999 | 839 | 5.0% | $2162 |
| $300,000 to $399,999 | 585 | 3.0% | $2746 |
Top Home Insurance Agents Near Decatur, AL
| 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 |
Cost Of Homeowners Insurance By Street Near Decatur, AL
| 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 |
Decatur, AL Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
|---|---|
| Decatur | $143 to $146 |
| Trinity | $147 |
| Morris Chapel | $141 |
| Priceville | $149 |
Decatur, 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 |
|---|---|---|---|
| Trinity town, Alabama | $147 | $196 | $294 |
| Morris Chapel CCD, Lawrence County, Alabama | $141 | $188 | $282 |
| Priceville town, Alabama | $149 | $198 | $297 |
Decatur, AL Area Home Insurance as a % of Housing Cost
| 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 Renters Insurance as a Percentage of Rent
| 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% | $5459 |
Average Cost Of Home Insurance By Company In Areas Nearby Decatur For Different Scenarios
| Deductible | Coverage | Company | Premium ($) |
|---|---|---|---|
| $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 |
Decatur, AL Home Insurance Costs With Deductible Scenario
| 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 | |
Decatur, AL Home Insurance Costs With Home Replacement Value Scenarios
| 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 |
Example Decatur Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
| 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 |
Sample Home Insurance Rates for Decatur, AL from Consumer Reviews & Surveys
| Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
|---|---|---|---|---|---|---|---|---|---|
| 1979 | 160,000 | Membrane Roof | 1,740 | 3 | $5000 to $10,000 Deductible | 470 | 12 | Wood siding | No |
| 1998 | 120,000 | Metal Roof | 1,630 | 3 | $500 Deductible | 440 | 10 | Vinyl siding | yes |
| 1993 | 170,000 | Tile Roof | 1,950 | 5 | $5000 to $10,000 Deductible | 90 | 2 | Vinyl siding | yes |
| 1980 | 170,000 | Membrane Roof | 1,800 | 4 | $2500-$5000 Deductible | 90 | 2 | Stone Siding | No |
| 1997 | 305,000 | Slate Shingles Roof | 4,470 | 5 | $5000 to $10,000 Deductible | 860 | 12 | Stucco siding | No |
| 1966 | 140,000 | Composition Roof | 1,580 | 3 | $500 Deductible | 420 | 8 | Vinyl siding | yes |
| 2001 | 165,000 | Shingles Roof | 2,500 | 5 | $5000 to $10,000 Deductible | 410 | 9 | Wood siding | No |
| 1969 | 215,000 | Slate Shingles Roof | 2,380 | 3 | > $10,000 Deductible | 290 | 5 | Stucco siding | No |
| 1981 | 175,000 | Composition Roof | 1,920 | 4 | $2500-$5000 Deductible | 110 | 2 | Brick siding | No |
| 1999 | 140,000 | Asphalt Shingles Roof | 1,790 | 3 | $2500-$5000 Deductible | 50 | 1 | Vinyl siding | yes |
| 2009 | 215,000 | Shingles Roof | 3,320 | 4 | $2500-$5000 Deductible | 220 | 3 | Fiber-Cement Siding | No |
| 1975 | 190,000 | Membrane Roof | 2,990 | 5 | $2500-$5000 Deductible | 580 | 7 | Stone Siding | No |
| 2005 | 130,000 | Wood Shake Roof | 2,000 | 3 | $2500-$5000 Deductible | 360 | 10 | Fiber-Cement Siding | No |
| 1982 | 230,000 | Asphalt Shingles Roof | 2,690 | 4 | $500 Deductible | 490 | 4 | Stone Siding | yes |
| 2006 | 155,000 | Wood Shake Roof | 2,380 | 5 | $5000 to $10,000 Deductible | 70 | 2 | Stucco siding | No |
| 1981 | 170,000 | Shingles Roof | 2,050 | 3 | $1000-$2500 Deductible | 40 | 1 | Stucco siding | No |
| 2010 | 210,000 | Slate Shingles Roof | 2,350 | 3 | $1000-$2500 Deductible | 500 | 7 | Brick siding | yes |
| 2010 | 130,000 | Wood Shake Roof | 1,880 | 3 | $1000-$2500 Deductible | 100 | 2 | Wood siding | yes |
| 2004 | 110,000 | Composition Roof | 1,710 | 3 | $500 Deductible | 430 | 9 | Vinyl siding | yes |
| 2005 | 145,000 | Metal Roof | 2,020 | 4 | $2500-$5000 Deductible | 320 | 7 | Stucco siding | yes |
| 1992 | 120,000 | Tile Roof | 1,900 | 3 | $500 Deductible | 150 | 4 | Stone Siding | yes |
| 1983 | 180,000 | Composition Roof | 2,190 | 4 | $1000-$2500 Deductible | 220 | 4 | Vinyl siding | yes |
| 1968 | 295,000 | Shingles Roof | 3,400 | 4 | > $10,000 Deductible | 260 | 3 | Vinyl siding | yes |
| 2014 | 115,000 | Membrane Roof | 1,620 | 3 | $2500-$5000 Deductible | 60 | 2 | Wood siding | yes |
| 2001 | 345,000 | Shingles Roof | 4,650 | 5 | $500 Deductible | 1450 | 12 | Brick siding | yes |
| 2001 | 170,000 | Slate Shingles Roof | 1,850 | 3 | $500 Deductible | 200 | 3 | Fiber-Cement Siding | yes |
| 1964 | 195,000 | Metal Roof | 2,880 | 4 | $5000 to $10,000 Deductible | 340 | 5 | Wood siding | No |
| 2002 | 140,000 | Composition Roof | 1,450 | 3 | $500- $1000 Deductible | 420 | 10 | Stucco siding | yes |
| 1999 | 265,000 | Shingles Roof | 3,240 | 4 | $1000-$2500 Deductible | 380 | 6 | Vinyl siding | yes |
| 1991 | 150,000 | Composition Roof | 1,710 | 5 | $2500-$5000 Deductible | 320 | 8 | Vinyl siding | No |
| 1979 | 215,000 | Tile Roof | 2,820 | 5 | $1000-$2500 Deductible | 690 | 10 | Brick siding | yes |
| 1994 | 140,000 | Shingles Roof | 1,930 | 4 | $2500-$5000 Deductible | 180 | 5 | Vinyl siding | No |