Elberta Insurance Rates:

Elberta, AL homeowners insurance is nearly $822 to $1,130, about $68-$94/month. Our all inclusive research indicates shoppers can save upto $390 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Elberta, AL Homeowners Insurance By Home Value

Elberta, AL Home Value Total Homes % of Total Average Elberta, AL Homeowners Insurance
Less than $50,000 485 12.0% $156
$50,000 to $59,999 182 4.0% $331
$60,000 to $69,999 268 6.0% $409
$70,000 to $79,999 197 4.0% $478
$80,000 to $89,999 176 4.0% $546
$90,000 to $99,999 81 2.0% $605
$100,000 to $124,999 525 13.0% $702
$125,000 to $149,999 295 7.0% $878
$150,000 to $174,999 553 13.0% $1044
$175,000 to $199,999 334 8.0% $1200
$200,000 to $249,999 453 11.0% $1444
$250,000 to $299,999 250 6.0% $1766
$300,000 to $399,999 182 4.0% $2244

Top Home Insurance Agents Near Elberta, AL

Home Insurance Company Near Elberta, AL Homeowners Insurance Agency Near Elberta, AL Address
NA Lemon Mohler Insurance Agency 22787 Us Highway 98 Building E, Suite 1 Fairhope, Daphne, AL, 36532
Travelers John A Robertson Ins Agcy Inc 101 N SECTION ST, FAIRHOPE, AL, 36532
State Farm Josh Wild 908 N McKenzie St, Foley, AL, 36535-3547
Travelers Lyon Fry Cadden Ins Agency Inc 3212 Midtown Park South, Mobile, AL, 36606
Travelers Willis Of Alabama Inc 11 N WATER ST 19TH FL STE 19290, MOBILE, AL, 36602

Cost Of Homeowners Insurance By Street Near Elberta, AL

Streets in Elberta Area Homeowners Insurance Cost
Co Rd 97, Fell Rd, Escambia Loop, Randolf Ave, Krieger Ln, Timber Ln, Martinez Dr, Haber Rd, Vargo Ln, Archie Rd$977
Aloe Ln, Kichler Cir S, Krehling Rd, Starling Ct, Brighton Ave, Barclay Ave, Patterson Ln, S Spanish Cove Dr, John Bloch Ln, Royal Ln$975
Everage Ln, Perdido St, Torres Cir, Pompano Dr, Sunbelt Dr, Di Figlia Trl, Biscayne Brook Ln, E A Wallace Ln, Chagrin Dr, Portage Cir$985
Rico Dr, Santa Barbara St, Bay Harbor Rd, Buena Vista Dr, Elberta Loop, Malkoskie Rd, Ridgewood Cir, Annola Ln, Illinois St, Deauville St$975
Melissa Ln, Randolph Dr, Hemmert Ln, Torres Ln, Chestnut St, Randolph Ave, Humphrey Ln, Anniston Dr, Cove Bayou Cir, Kentucky Ln$968

Elberta, AL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Elberta$145 to $147
Perdido Beach$152
Orange Beach$159
Summerdale$143

Elberta, 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
Perdido Beach town, Alabama $152 $203 $305
Orange Beach city, Alabama $159 $212 $318
Summerdale CCD, Baldwin County, Alabama $143 $191 $287

Elberta, 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
Elberta, AL6.9%25.2%
Perdido Beach5.68%25.89%
Orange Beach4.3%16.0%
Summerdale7.07%25.29%

Elberta Renters Insurance as a Percentage of Rent

Elberta Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 46 5.0% $1250
$500 to $749 411 51.0% $1925
$750 to $999 298 37.0% $2675
$1,000 to $1,499 43 5.0% $3800

Elberta, AL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,400$2,400
Yearly Elberta Homeowner Insurance Premium Example $900$700
Out of Pocket Expense During Claim$1,400$2,400
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $8,600$8,000
Net Savings to Elberta Home Owner from High Deductible Plan $600

Elberta, AL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Elberta, AL Home Replacement Value MORE than Home Value Elberta, AL Home Replacement Value LESS than Home Value
Replacement Value $160,500 $105,500
Insurance Premium based on Replacement Value $900 $600
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $31,500 Risk Exposure from Under Insuring Coverage is $23,500
Premium Impact Insurance cheaper by $125/year Insurance costlier by $175/year

Example Elberta Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceState FarmAmica Mutual Insurance Company
Monthly Premium 596644
Year Built 201319821995
Home Details 3 Beds, 1 Baths4 Beds, 2 Baths5 Beds, 1 Baths
Coverage Amount $175000-$200000$200000-$250000$100000-$125000
Deductible $1000-$2500 Deductible$1000-$2500 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1983 295,000 Metal Roof 2,960 4 $500 Deductible 740 7 Stucco siding yes
2010 295,000 Composition Roof 3,370 4 > $10,000 Deductible 460 8 Brick siding yes
1984 175,000 Membrane Roof 2,280 3 $1000-$2500 Deductible 340 5 Fiber-Cement Siding yes
2006 265,000 Wood Shake Roof 2,820 4 $500- $1000 Deductible 700 9 Stucco siding yes
2011 305,000 Tile Roof 3,880 5 $500 Deductible 1040 7 Fiber-Cement Siding yes
1995 195,000 Composition Roof 1,820 3 $1000-$2500 Deductible 570 10 Stone Siding yes
2006 280,000 Tile Roof 3,750 5 $500- $1000 Deductible 1100 9 Stone Siding yes
2000 195,000 Asphalt Shingles Roof 1,880 3 $500 Deductible 400 4 Vinyl siding No
2010 175,000 Asphalt Shingles Roof 1,820 3 $1000-$2500 Deductible 760 12 Wood siding No
2003 455,000 Slate Shingles Roof 4,940 5 $1000-$2500 Deductible 170 1 Stone Siding No
1984 170,000 Wood Shake Roof 1,620 3 $5000 to $10,000 Deductible 280 5 Stucco siding yes
1987 180,000 Composition Roof 2,080 4 $1000-$2500 Deductible 190 4 Vinyl siding yes
1992 190,000 Membrane Roof 2,340 4 $2500-$5000 Deductible 460 8 Stone Siding yes
1992 240,000 Slate Shingles Roof 2,680 4 $2500-$5000 Deductible 590 9 Stucco siding No
2012 140,000 Composition Roof 1,860 4 $2500-$5000 Deductible 350 8 Stone Siding No
1989 390,000 Wood Shake Roof 4,390 5 $500- $1000 Deductible 1050 9 Stucco siding No
2004 360,000 Shingles Roof 3,430 5 $500 Deductible 510 4 Stone Siding No
2000 185,000 Shingles Roof 1,760 3 $5000 to $10,000 Deductible 380 10 Vinyl siding No
2013 330,000 Membrane Roof 3,200 5 $1000-$2500 Deductible 90 1 Vinyl siding yes
1996 215,000 Shingles Roof 2,010 3 $500- $1000 Deductible 490 6 Stucco siding yes
1992 165,000 Metal Roof 1,560 3 $1000-$2500 Deductible 680 12 Fiber-Cement Siding yes
1998 305,000 Shingles Roof 3,610 5 > $10,000 Deductible 830 9 Brick siding No
2013 155,000 Membrane Roof 1,660 4 $500- $1000 Deductible 500 10 Vinyl siding yes
1995 255,000 Membrane Roof 2,620 4 $1000-$2500 Deductible 570 9 Fiber-Cement Siding yes
2011 320,000 Metal Roof 4,240 5 > $10,000 Deductible 470 7 Vinyl siding yes
2006 215,000 Composition Roof 2,710 5 $1000-$2500 Deductible 950 12 Stone Siding yes
1994 180,000 Composition Roof 1,790 5 $500 Deductible 90 1 Wood siding yes
1985 275,000 Asphalt Shingles Roof 2,760 4 $500 Deductible 620 6 Vinyl siding yes
2011 275,000 Asphalt Shingles Roof 3,260 4 $1000-$2500 Deductible 210 2 Stone Siding No
2005 280,000 Wood Shake Roof 2,840 5 $2500-$5000 Deductible 960 10 Stone Siding yes