Gadsden Insurance Rates:

Gadsden, AL homeowners insurance is roughly $800 to $1,088, about $66-$90/month. Our comprehensive analysis indicates shoppers can save upto $377 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Progressive
I would recommend my policy to other people. It was easy to setup and it is pretty affordable.
Progressive
I have been mostly satisfied with my experience.I have not had to file a claim, which is typically when you see the true side of an insurance company.the company's representatives have been professional.
Country Financial
I would definitely recommend Country Financial. I have not personally experience a disaster type hardship or robbery. I feel like my coverage would be sufficient if any of these things were to happen.
Allstate
You don't have to go through a call system. when calling you always get a person and unusually get answers immediately.
Safeco Insurance
They raise the price every year so i think that is not very correct. as i wrote down in one point insurance for my house has raised a lot for couple years
State Farm
I am happy that when there is an issue, state farm is very easy to get a hold of. luckily, i have not had many instances where i needed to reach them.
State Farm
Whenever I call someone answers; however, they are at times not very helpful and I have to find out the information elsewhere
Liberty Mutual
I like that it's a well-known long standing company with a good name. I like that it's affordable and modern with a great website that's easy to use, and I like that my agent is local and I can talk to him and he knows who I am.
Allstate
Service seems to be broad, would be better if certain employees get used to customers
State Farm
I would recommend because it's one of the few insurance companies in the area, and their customer service alone makes up for the higher price of the premium and deductible.

Gadsden, AL Homeowners Insurance By Home Value

Gadsden, AL Home Value Total Homes % of Total Average Gadsden, AL Homeowners Insurance
Less than $50,000 4,885 26.0% $236
$50,000 to $59,999 945 5.0% $500
$60,000 to $69,999 991 5.0% $613
$70,000 to $79,999 1,049 5.0% $708
$80,000 to $89,999 908 4.0% $802
$90,000 to $99,999 809 4.0% $906
$100,000 to $124,999 2,070 11.0% $1047
$125,000 to $149,999 1,589 8.0% $1312
$150,000 to $174,999 1,799 9.0% $1548
$175,000 to $199,999 788 4.0% $1784
$200,000 to $249,999 1,107 6.0% $2152
$250,000 to $299,999 809 4.0% $2624
$300,000 to $399,999 598 3.0% $3332

Top Home Insurance Agents Near Gadsden, AL

Home Insurance Company Near Gadsden, AL Homeowners Insurance Agency Near Gadsden, AL Address
NA Harris Mckay Co Inc P O Box 1766, Anniston, AL, 36202
Travelers Insurance Facilities Inc 309 Broad St, Gadsden, AL, 35901
Allstate Steve Burgess 456 US Highway 431, Boaz, AL, 35957
Farmers Thomas Warhurst 2110 Al Highway 157, Cullman, AL, 35058
Travelers Union State Insurance Inc 1920 First Ave N Pell City, Pell City, AL, 35125

Gadsden, AL Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Gadsden, AL

Streets in Gadsden Area Homeowners Insurance Cost
2nd St NE, Rabbittown Rd, Brown Ave, Miller Cir, 10th St N, Easy St, Howell Cir, Sherwood Dr S, Nelson St, Minyard St$970
Hwy 77, Barkley St, Mary Jane Dr, Estes Dr, Raley St, Audrey Ln, Hatley Ave, 7th St N, Deerfoot Industrial Pkwy, Shelia Ave$977
Crescent Dr, Covington Ave SE, Stillman Ave, Littleton Rd, Plainview St SE, Richwood Dr, Black Creek Rd, Kaying Rd N, Alpine Vw, Griffith Dr$974
Turner St, James Ln, E Loner Ave, Usry Dr, Lauren Rd, Chert St, S Burns St, Mathis St, Warren St, Hopkins St$905
Lancaster Ave, Causey Ln, Anna St, Bellview St, Roberts Cir, Mountain View Dr, Hawthorne Cir, Miller St, Scenic Hwy, Daystar Ln$980
Hinds Rd, Crown Point Ave, Madison Ln, Skelton Ave SW, Pinewood Ave, Eastside Dr, Hinsdale Ave, Bell St, Merit Springs Rd, Mallory St$990
Shahan Ave, Elaine St, Cherokee St, E Tomahawk Trl, 3rd St NW, Brasher Cut Off Rd, 8th St SW, Independent Dr, Commerce Sq, Center Rd$924
Vistamont Cir S, Lamar Ave, Wilson Ave, Marker Ave, Line St SE, Rodgers Rd, N 10th St, Sudie Ave, N 10th St, Hwy 77$949
Highland Ave, S Point Dr, Rainbow Industrial Blvd, Hermosa Ave, Anna Ave, 3rd St N, Willow St, Crest Aly, 7th Ave, Hardin Cir$899
Rogers St, Madeline Ave, Colvin Gap, Aniska Dr, Hoke St, Clayton Ave, California Ave, Owens St, Martin Ave, Jennifer Dr$903

Gadsden, AL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Gadsden$141 to $144
Attalla$137
Rainbow City$146
Etowah County$141

Gadsden, 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
Attalla city, Alabama $137 $183 $275
Rainbow City city, Alabama $146 $195 $293
Etowah County, Alabama $142 $189 $284

Gadsden, 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
Gadsden, AL7.3%23.7%
Attalla8.58%24.81%
Rainbow City6.88%23.37%
Etowah County7.25%23.65%

Gadsden Renters Insurance as a Percentage of Rent

Gadsden Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 458 5.0% $366
$200 to $299 558 6.0% $816
$300 to $499 1,638 20.0% $1266
$500 to $749 3,526 43.0% $1941
$750 to $999 1,295 16.0% $2691
$1,000 to $1,499 503 6.0% $3816
$1,500 or more 102 1.0% $5466

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

Deductible Coverage Company Premium ($)
$500 $150,000 Allstate Vehicle And Property Insurance Company 887
$500 $150,000 Mid Century Ins Co 1750
$500 $150,000 Nationwide Mutual Fire Ins Company 1055
$500 $150,000 Nationwide Property & Casualty Ins Company 1057
$500 $300,000 American National General Ins Company 1271
$500 $300,000 Garrison Property And Casualty Insurance Company 2031
$500 $300,000 Mid Century Ins Co 3462
$500 $300,000 Nationwide Mutual Fire Ins Company 1916
$500 $300,000 Travelers Home And Marine Insurance Company 1166

Gadsden, AL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,900$3,900
Yearly Gadsden Homeowner Insurance Premium Example $1,200$700
Out of Pocket Expense During Claim$1,900$3,900
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $10,300$8,800
Net Savings to Gadsden Home Owner from High Deductible Plan $1,500

Gadsden, AL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Gadsden, AL Home Replacement Value MORE than Home Value Gadsden, AL Home Replacement Value LESS than Home Value
Replacement Value $253,000 $152,000
Insurance Premium based on Replacement Value $1,125 $675
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $45,500 Risk Exposure from Under Insuring Coverage is $55,500
Premium Impact Insurance cheaper by $250/year Insurance costlier by $200/year

Example Gadsden Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmGEICO InsuranceFarmers Insurance
Monthly Premium 327951
Year Built 197419981951
Home Details 3 Beds, 1 Baths4 Beds, 2 Baths5 Beds, 3 Baths
Coverage Amount $75000-$100000$175000-$200000$125000-$150000
Deductible $500- $1000 Deductible$1000-$2500 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1960 280,000 Metal Roof 4,900 5 > $10,000 Deductible 690 10 Fiber-Cement Siding yes
1965 175,000 Tile Roof 2,320 3 $5000 to $10,000 Deductible 310 6 Brick siding yes
1975 150,000 Asphalt Shingles Roof 2,040 3 $500 Deductible 820 12 Wood siding No
1978 145,000 Composition Roof 2,290 3 $500- $1000 Deductible 130 2 Stucco siding yes
1981 80,000 Shingles Roof 1,310 3 $500 Deductible 200 8 Vinyl siding No
1961 85,000 Composition Roof 1,310 3 $500 Deductible 360 9 Fiber-Cement Siding No
1947 225,000 Tile Roof 3,290 4 $500 Deductible 860 8 Fiber-Cement Siding No
1952 205,000 Membrane Roof 2,690 5 $500- $1000 Deductible 170 2 Stucco siding yes
1946 185,000 Membrane Roof 3,060 4 $500- $1000 Deductible 970 12 Brick siding yes
1988 110,000 Slate Shingles Roof 1,770 4 $500- $1000 Deductible 220 6 Stucco siding No
1981 115,000 Wood Shake Roof 1,480 3 $500 Deductible 400 9 Stucco siding yes
1944 155,000 Composition Roof 1,940 5 $1000-$2500 Deductible 70 1 Vinyl siding No
1946 290,000 Wood Shake Roof 3,880 5 $500- $1000 Deductible 550 6 Stone Siding yes
1961 145,000 Composition Roof 1,840 5 $1000-$2500 Deductible 460 10 Brick siding yes
1956 115,000 Wood Shake Roof 1,890 3 $500 Deductible 340 7 Stucco siding No
1983 275,000 Slate Shingles Roof 4,190 5 $2500-$5000 Deductible 140 2 Wood siding yes
1986 215,000 Shingles Roof 3,570 5 $1000-$2500 Deductible 160 2 Vinyl siding yes
1967 240,000 Slate Shingles Roof 4,060 5 $1000-$2500 Deductible 630 7 Stucco siding No
1945 165,000 Membrane Roof 2,530 5 $500 Deductible 110 2 Vinyl siding yes
1963 355,000 Shingles Roof 4,320 5 > $10,000 Deductible 130 2 Wood siding No
1969 225,000 Slate Shingles Roof 2,930 5 $5000 to $10,000 Deductible 410 8 Vinyl siding yes
1982 240,000 Composition Roof 3,190 5 $2500-$5000 Deductible 170 2 Vinyl siding No
1956 220,000 Asphalt Shingles Roof 2,670 5 $1000-$2500 Deductible 150 2 Fiber-Cement Siding No
1949 110,000 Membrane Roof 1,840 4 $500- $1000 Deductible 80 2 Fiber-Cement Siding yes
1971 150,000 Metal Roof 2,020 4 $500- $1000 Deductible 430 8 Stone Siding yes
1958 230,000 Slate Shingles Roof 3,030 4 $500- $1000 Deductible 570 7 Fiber-Cement Siding No
1970 195,000 Composition Roof 2,610 4 $2500-$5000 Deductible 450 7 Vinyl siding No
1963 105,000 Wood Shake Roof 1,800 5 $500- $1000 Deductible 270 6 Brick siding yes
1954 110,000 Asphalt Shingles Roof 1,550 5 $500 Deductible 440 12 Vinyl siding yes
1952 215,000 Metal Roof 2,960 5 $5000 to $10,000 Deductible 400 5 Wood siding yes
1994 140,000 Tile Roof 1,750 3 $500 Deductible 660 12 Brick siding yes
1944 255,000 Metal Roof 4,550 5 > $10,000 Deductible 570 8 Fiber-Cement Siding yes
1974 210,000 Asphalt Shingles Roof 2,890 5 $5000 to $10,000 Deductible 110 3 Brick siding yes

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