Fairfield Insurance Rates:

Fairfield, AL homeowners insurance is nearly $798 to $1,084, about $66-$90/month. Our in depth analysis shows customers can save upto $376 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Fairfield, AL Homeowners Insurance By Home Value

Fairfield, AL Home Value Total Homes % of Total Average Fairfield, AL Homeowners Insurance
Less than $50,000 306 12.0% $244
$50,000 to $59,999 206 8.0% $517
$60,000 to $69,999 225 9.0% $649
$70,000 to $79,999 197 8.0% $743
$80,000 to $89,999 184 7.0% $846
$90,000 to $99,999 300 12.0% $950
$100,000 to $124,999 360 14.0% $1100
$125,000 to $149,999 238 9.0% $1373
$150,000 to $174,999 177 7.0% $1618
$175,000 to $199,999 93 3.0% $1872
$200,000 to $249,999 92 3.0% $2248
$250,000 to $299,999 70 2.0% $2757

Top Home Insurance Agents Near Fairfield, AL

Home Insurance Company Near Fairfield, AL Homeowners Insurance Agency Near Fairfield, AL Address
State Farm Anthony Berryman 149 Buck Creek Plz Ste F, Alabaster, AL, 35007-7013
State Farm Connie Myers 2109 7th Ave N Ste 1, Pell City, AL, 35125-1327
Travelers J Smith Lanier & Co Of Birmingham 5300 CAHABA RIVER RD STE 150, BIRMINGHAM, AL, 35243
State Farm Jay Ellett 6662 Highway 75 Ste 111, Pinson, AL, 35126-3200
Liberty Mutual Lynn Swink 100 Corporate Parkway Suite 225, Birmingham, AL, 35242

Cost Of Homeowners Insurance By Street Near Fairfield, AL

Streets in Fairfield Area Homeowners Insurance Cost
Tin Mill Rd, Clyde Ave, Price St, Sherwood Cir, Rutledge Dr, Linda Ln, Elam St, 59th St, Simmons St, Hickory Cir$934
Brown Pl, Highland Cir, 52nd Aly, Larkin St, Commerce Ave, 12th Ter, Creel St, Newport Rd, E J Oliver Blvd, Phillips Dr$924
Cambridge Way, Cambridge St, 44th St, Grant St, 7th Aly, Vandergrift Rd, 7th Ct, Rutledge Way, Hardy St, McPherson Ave$925
Oakland Dr, Muir Dr, Acadia Ter, 39th Pl, Breland Dr, Griffin Dr, 41st St, Ave A, Edwards St, Co Rd 80$922
62nd St, Overklook Pl, Brookwood Rd E, Woodfall Dr, Toledo St, Webb St, Railroad St, Franklin Ave, Glenridge Dr, Ensley Pleasant Grove Rd$921

Fairfield, AL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Fairfield$140 to $143
Midfield$139
Brighton$137
McDonald Chapel$138

Fairfield, 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
Midfield city, Alabama $116 $155 $232
Brighton city, Alabama $114 $152 $228
McDonald Chapel CDP, Alabama $115 $153 $230

Fairfield, 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
Fairfield, AL7.5%17.9%
Midfield7.24%19.4%
Brighton7.98%23.53%
McDonald Chapel9.64%28.49%

Fairfield Renters Insurance as a Percentage of Rent

Fairfield Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 63 3.0% $367
$200 to $299 153 9.0% $817
$300 to $499 318 19.0% $1267
$500 to $749 600 37.0% $1942
$750 to $999 263 16.0% $2692
$1,000 to $1,499 162 10.0% $3817
$1,500 or more 41 2.0% $5467

Average Cost Of Home Insurance By Company In Areas Nearby Fairfield For Different Scenarios

Deductible Coverage Company Premium ($)
$500 $150,000 Fire Insurance Exchange 1376
$500 $150,000 Nationwide Property & Casualty Ins Company 1053
$500 $150,000 Usaa General Indemnity Co 951
$500 $300,000 Allstate Vehicle And Property Insurance Company 1076
$500 $300,000 Amica Mutual Ins Company 1833
$500 $300,000 Country Casualty Insurance Company 1643
$500 $300,000 Nationwide General Ins Co 1120
$500 $300,000 Nationwide Property & Casualty Ins Company 1899
$500 $300,000 Usaa Casualty Insurance Company 1530

Fairfield, AL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$700$1,700
Yearly Fairfield Homeowner Insurance Premium Example $700$500
Out of Pocket Expense During Claim$700$1,700
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $6,300$5,700
Net Savings to Fairfield Home Owner from High Deductible Plan $600

Fairfield, AL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Fairfield, AL Home Replacement Value MORE than Home Value Fairfield, AL Home Replacement Value LESS than Home Value
Replacement Value $122,000 $84,000
Insurance Premium based on Replacement Value $675 $475
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $24,000 Risk Exposure from Under Insuring Coverage is $14,000
Premium Impact Insurance cheaper by $75/year Insurance costlier by $125/year

Example Fairfield Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceAmica Mutual Insurance CompanyLiberty Mutual
Monthly Premium 562945
Year Built 198519771995
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 4 Baths
Coverage Amount $125000-$150000$100000-$125000$100000-$125000
Deductible $500- $1000 Deductible$2500-$5000 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1997 95,000 Tile Roof 1,680 4 $500- $1000 Deductible 270 10 Wood siding yes
1980 220,000 Slate Shingles Roof 3,030 5 $500 Deductible 670 7 Wood siding yes
1969 125,000 Shingles Roof 2,200 3 $500 Deductible 610 10 Brick siding No
1974 110,000 Tile Roof 1,670 3 $1000-$2500 Deductible 440 10 Stucco siding yes
1968 100,000 Tile Roof 1,730 5 $2500-$5000 Deductible 350 12 Stone Siding No
1976 365,000 Shingles Roof 4,590 5 $2500-$5000 Deductible 1190 10 Stucco siding No
1955 160,000 Shingles Roof 2,100 3 $5000 to $10,000 Deductible 90 3 Fiber-Cement Siding yes
1999 180,000 Slate Shingles Roof 3,280 5 $500- $1000 Deductible 600 10 Fiber-Cement Siding No
1974 140,000 Tile Roof 1,960 3 $1000-$2500 Deductible 200 6 Stone Siding yes
1972 230,000 Membrane Roof 4,180 5 $2500-$5000 Deductible 170 3 Wood siding yes
1979 155,000 Wood Shake Roof 1,990 3 $5000 to $10,000 Deductible 500 10 Fiber-Cement Siding yes
1940 120,000 Shingles Roof 1,540 3 $2500-$5000 Deductible 310 9 Vinyl siding yes
1973 145,000 Shingles Roof 2,010 4 $500- $1000 Deductible 50 1 Vinyl siding yes