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.
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 |
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 |
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 |
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% | $5459 |
Deductible | Coverage | Company | Premium ($) |
---|---|---|---|
$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 |
Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
---|---|---|---|---|---|---|---|---|---|
1973 | 185,000 | Asphalt Shingles Roof | 1,980 | 3 | $1000-$2500 Deductible | 240 | 4 | Stone Siding | yes |
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 |