Escambia County Insurance Rates:

Escambia County, AL homeowners insurance is nearly $794 to $1,076, about $66-$89/month. Our exhaustive research shows customers can save upto $374 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Different Ways to Reduce your Home Insurance in Escambia County, AL

Home insurance is one of the most important types of insurance you can buy. It protects your home and belongings in the event of a covered loss. Home insurance also provides liability coverage in the event someone is injured on your property. Home insurance is a must if you own a home in Escambia County, Alabama. The county is located in the state's southwestern corner, on the Gulf of Mexico. The area is prone to hurricanes and other severe weather conditions. A standard home insurance policy in Escambia County will cover damage from wind, rain, hail, lightning, and explosions. It will also cover damage from fire, smoke, and theft. Most policies will also cover temporary living expenses if your home is uninhabitable due to a covered loss. Liability coverage is also important. This will protect you if someone is injured on your property. It will also cover you if you are sued for damages.

The average cost of home insurance in Escambia County, AL, is $961.  Finding a policy that meets your needs and budget is essential when shopping for home insurance. The coverage you need depends on the value of your home and your personal belongings. VHome has thoroughly analyzed ways to reduce the home insurance cost in Escambia County, AL, in this article below.

By Choosing a Higher Deductible

When it comes to home insurance, one of the most important factors that will affect your rates is your deductible. A deductible is the amount of money you will be responsible for paying out-of-pocket in case of a claim. The higher your deductible, the lower your monthly premiums will be. However, you need to be sure you can afford to pay your deductible if you have a claim. If you are unsure that you can afford to pay a higher deductible, you may want to consider a lower amount. You can always increase your deductible later if you find that you can save money on your premiums. For example, Escambia County, AL residents who select deductibles of 500 and 1500 pay $942.55 and $802.7 for home insurance. Owners of homes with 2000 and 2500-dollar deductibles pay $728.67 and $684.97, respectively.

By Installing Security Features

The cost of home insurance in Escambia County, Alabama, is based on the installation of security features. The more security features installed in a home, the lower the insurance rates. Some of the most common security features installed in Escambia County homes include burglar alarms, deadbolt locks, and security cameras. Homes with these security features installed are less likely to be burglarized, resulting in lower home insurance rates. For instance, in Escambia County, AL, homeowners with deadbolts pay $877.68 for their house insurance. Dreadlocks at home reduce the risk of theft or robbery.

By Maintaining a Zero Claims History

The claims history on your homeowner's insurance policy is a list of all your claims. Insurance companies use your claim history to determine if you are a high-risk client. Your premium will probably increase if you have a history of making claims. Because of this, keeping a claims history of zero is crucial. You can keep your rates cheap if you can avoid making claims. For instance, in Escambia County, Alabama homeowners who have never filed a claim must pay a premium of $839.52. In contrast, in Escambia County, AL, homeowners with one or two claims must pay $1039.86 and $1078.02 for homeowners insurance.

Escambia County, AL Homeowners Insurance By Home Value

Escambia County, AL Home Value Total Homes % of Total Average Escambia County, AL Homeowners Insurance
Less than $50,000 2,575 26.0% $271
$50,000 to $59,999 562 5.0% $570
$60,000 to $69,999 988 9.0% $710
$70,000 to $79,999 501 5.0% $813
$80,000 to $89,999 759 7.0% $925
$90,000 to $99,999 405 4.0% $1037
$100,000 to $124,999 1,061 10.0% $1196
$125,000 to $149,999 684 6.0% $1505
$150,000 to $174,999 826 8.0% $1776
$175,000 to $199,999 376 3.0% $2047
$200,000 to $249,999 610 6.0% $2468
$250,000 to $299,999 216 2.0% $3010
$300,000 to $399,999 330 3.0% $3833

Top Home Insurance Agents Near Escambia County, AL

Home Insurance Company Near Escambia County, AL Homeowners Insurance Agency Near Escambia County, AL Address
Allstate Carl Corrao 401 E Nine Mile Rd, Pensacola, FL, 32514
Allstate Jennifer Hester 238 N New Warrington Rd, Pensacola, FL, 32506
State Farm Sharyn Smith 1805 E Three Notch St Ste 4, Andalusia, AL, 36421-2403
State Farm Tommy Jordan 3042 S Alabama Ave, Monroeville, AL, 36460-5600
Liberty Mutual Independent Underwood Anderson & Assoc Inc 2302 N 9Th Ave, Pensacola, FL, 32503

Escambia County, AL Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Escambia County, AL

Streets in Escambia County Area Homeowners Insurance Cost
Hume Ave, Liberty St, E Louisville Ave, Pennie Ln, Dailey St, Carver St, St Joseph St, Boykin Rd, Scranage Rd, Alice Ln$923
Saint Nicholas Ave, Sprow Rd, Rollins Pl, Horton Ave, Pleasant St, Tippens Eddy Rd, Burnham Rd, Cottage Rd, McHawk Ln, Abrams Rd$928
Woodmere Dr, Nicole Ave, Weaver Ln, McMillan Ln, Clement St, Robinson St, Ed Thomas Rd, Goulsby Farm Rd, Underwood St, Wilson St$965
Sawmill Rd, Rolling Hills Ln E, Hines St, Pine St, Oak Rd, Hurd Ave, Fennell St, Northgate Dr, Barkley Dr, Butler St$939
Jernigan St, Evans Ave, Portwood Ln, Clearview Rd, State Line Rd, Greenfield Ct, Salter Rd, Steward Rd, Chestnut St, Elrod St$926
Bratt Rd, Stanley Rd, Byrne Dr, Lassiter Ln, The Trails, Smith Ln, Brown St, Co Rd 27, Tedder Ln, Grapefarm Rd$926
Bell Creek Rd, Magnolia Ave, Fores Store Rd, Brightland Rd, Highland St, Co Rd 67, Dugout Ln, Hatfield Ln, E School St, Long St$918
Co Rd 35, Peggy Cir, Fowlerln, Terry Ave, Poplar St, Wolf Log Rd, White St, 5th St, Belleville Ave, Ewing Dr$925
Winchester Ln, Dawkins Rd, Bell, Oak St, Pine Hill Dr, Georgia Ln, Cook Pond Rd, Fountain Ave, Log Cabin Ln, Lee Pond Rd$924
S Trammell St, Preyer Cir, Sue St, Maplewood Dr, McCoy Dr, Dale Dr, Richmond Ave, Phillips Rd, Nellies Ln, Damascus Rd$935

Escambia County, AL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Escambia County$139 to $142
Brewton$141
Flomaton$139
Pollard$137

Escambia County, 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
Brewton CCD, Escambia County, Alabama $141 $188 $282
Flomaton CCD, Escambia County, Alabama $140 $186 $279
Pollard town, Alabama $137 $183 $275

Escambia County, 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
Escambia County, AL8.0%24.7%
Brewton8.48%24.33%
Flomaton8.84%24.47%
Pollard7.29%31.26%

Escambia County Renters Insurance as a Percentage of Rent

Escambia County Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 66 2.0% $370
$200 to $299 148 4.0% $820
$300 to $499 847 25.0% $1270
$500 to $749 1,655 50.0% $1945
$750 to $999 381 11.0% $2695
$1,000 to $1,499 169 5.0% $3820

Latest Home Insurance Reviews

Amica Mutual Insurance
I think that the premium is a bit higher than some, but I like the peace of mind that I have known that if I do make a claim it won't take forever to be processed.
Progressive
The website and mobile app both work great. They are easy and simple to use, easy access with a great user interface. If you have any trouble there is an online chat option.
State Farm
I really never had to deal with them and prefer it that way. So glad that I don't have to call them and they don't bother me.

How To Make Your Escambia County, AL Home Insurance Cheaper

How Much Does Escambia County, AL Home Insurance Cost?