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.

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Latest Home Insurance Reviews

Allstate
I 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 Farm
When 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.
Allstate
Well known 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

PlaceSavings 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

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Decatur, AL7.4%25.2%
Trinity6.11%21.81%
Morris Chapel7.05%24.56%
Priceville5.85%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 DeductibleHigh 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 InsuranceAmica Mutual Insurance CompanyAllstate
Monthly Premium 273372
Year Built 199820101979
Home Details 3 Beds, 2 Baths4 Beds, 2 Baths5 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
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