Irondale Insurance Rates:

Irondale, AL homeowners insurance is nearly $817 to $1,115, about $68-$92/month. Our extensive research shows customers can save as much as $386 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Irondale, AL Homeowners Insurance By Home Value

Irondale, AL Home Value Total Homes % of Total Average Irondale, AL Homeowners Insurance
Less than $50,000 446 13.0% $173
$50,000 to $59,999 71 2.0% $367
$60,000 to $69,999 120 3.0% $454
$70,000 to $79,999 79 2.0% $531
$80,000 to $89,999 114 3.0% $598
$90,000 to $99,999 123 3.0% $666
$100,000 to $124,999 607 17.0% $772
$125,000 to $149,999 482 14.0% $966
$150,000 to $174,999 363 10.0% $1149
$175,000 to $199,999 327 9.0% $1323
$200,000 to $249,999 324 9.0% $1593
$250,000 to $299,999 108 3.0% $1951
$300,000 to $399,999 240 7.0% $2472

Top Home Insurance Agents Near Irondale, AL

Home Insurance Company Near Irondale, AL Homeowners Insurance Agency Near Irondale, AL Address
State Farm Bob Butterworth 609 Main Street, Montevallo, AL, 35115-4036
Farmers Ernest Wiechman 1957 Hoover Ct Ste 105, Hoover, AL, 35226
Liberty Mutual Independent Freedom Insurance Agency Llc 168 County Rd 1435, Cullman, AL, 35058
State Farm Mike Kennedy 4513 Valleydale Road, Birmingham, AL, 35242-4662
Nationwide Tyler F Watts 160 Yeager Pkwy STE 107, Pelham, AL, 35124

Cost Of Homeowners Insurance By Street Near Irondale, AL

Streets in Irondale Area Homeowners Insurance Cost
Pinebluff Trl, Hardy Acres Rd, Autumn Chase Dr, State Rte 119, Black Jack Ridge, Cooper Hill Rd, Cahaba Beach Rd, Bell Meade Cir, Cold Harbor Ln, Park Crest Cir$1,015
Hemlock St, Larry Ln, Vestlake Ridge Dr, Pinehurst Rd, Alabama Dr, Saint Patrick Cir, Cross Creek Dr E, Ashton Ave, Cahaba Valley Rd, Crosscreek Cir$1,012
Edwards St, Janet Ln, Churchill Dr, Rex Ridge Ln, Fair Oaks Dr, Balco Rd, McNabb Rd SW, Buckthorn Rd, Belle Meade Ln, Lemieux Ln$1,090
Stone Ridge Trl, Oporto-Madrid Blvd S, Kingstown Rd, Wildwood Dr, Buckeye Ln, Woodridge Rd, 79th Pl S, Parrish Ln, Ruth Rd, Roper Rd$1,007
Carriage Cir, Yvonne St, Alton Pkwy, Brooke Ln, River View Dr, Heaton Dr, Swallow Pl, Glenbrook Dr, Amberley Dr, Mountain Dale Ct$1,004

Irondale, AL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Irondale$144 to $147
Leeds$151
Mountain Brook$182
Brook Highland$165

Irondale, 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
Leeds CCD, Jefferson County, Alabama $126 $167 $251
Mountain Brook city, Alabama $152 $202 $303
Brook Highland CDP, Alabama $138 $183 $275

Irondale, 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
Irondale, AL6.8%20.9%
Leeds5.01%19.47%
Mountain Brook3.73%10.53%
Brook Highland4.16%13.99%

Irondale Renters Insurance as a Percentage of Rent

Irondale Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 59 4.0% $805
$300 to $499 146 10.0% $1255
$500 to $749 118 8.0% $1930
$750 to $999 587 41.0% $2680
$1,000 to $1,499 412 29.0% $3805
$1,500 or more 87 6.0% $5455

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

Deductible Coverage Company Premium ($)
$500 $150,000 Guideone Mutual Insurance Company 1408
$500 $150,000 Nationwide General Ins Co 1133
$500 $150,000 Nationwide Mutual Fire Ins Company 1827
$500 $150,000 Usaa Casualty Insurance Company 1430
$500 $150,000 Usaa General Indemnity Co 1377
$500 $300,000 American National General Ins Company 1269
$500 $300,000 American National Property & Casualty Company 1097
$500 $300,000 Fire Insurance Exchange 3337
$500 $300,000 Safeco Insurance Company Of America 2225
$500 $300,000 United Services Automobile Association 2167

Irondale, AL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$600$1,600
Yearly Irondale Homeowner Insurance Premium Example $1,500$1,300
Out of Pocket Expense During Claim$600$1,600
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $12,600$12,000
Net Savings to Irondale Home Owner from High Deductible Plan $600

Irondale, AL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Irondale, AL Home Replacement Value MORE than Home Value Irondale, AL Home Replacement Value LESS than Home Value
Replacement Value $253,500 $200,500
Insurance Premium based on Replacement Value $1,375 $1,075
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $22,000 Risk Exposure from Under Insuring Coverage is $31,000
Premium Impact Insurance cheaper by $175/year Insurance costlier by $125/year

Example Irondale Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceNationwide InsuranceLiberty Mutual
Monthly Premium 494758
Year Built 201319852002
Home Details 3 Beds, 1 Baths4 Beds, 2 Baths5 Beds, 2 Baths
Coverage Amount $150000-$175000$150000-$175000$250000-$300000
Deductible $5000 to $10,000 Deductible$1000-$2500 Deductible> $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2002 300,000 Slate Shingles Roof 3,880 5 > $10,000 Deductible 80 1 Stone Siding yes
2007 205,000 Metal Roof 2,070 3 $2500-$5000 Deductible 180 3 Stone Siding yes
1964 220,000 Tile Roof 2,180 4 > $10,000 Deductible 200 4 Stone Siding yes
1990 305,000 Membrane Roof 3,360 5 $5000 to $10,000 Deductible 260 3 Brick siding yes
2010 155,000 Tile Roof 1,980 3 $2500-$5000 Deductible 350 7 Brick siding No
2012 195,000 Asphalt Shingles Roof 2,350 3 $500 Deductible 150 2 Brick siding No
1992 265,000 Membrane Roof 2,820 5 $500- $1000 Deductible 1540 12 Fiber-Cement Siding yes
2006 290,000 Wood Shake Roof 4,290 5 $500 Deductible 1080 7 Vinyl siding yes
1968 150,000 Metal Roof 1,780 3 $1000-$2500 Deductible 150 4 Vinyl siding yes
2006 185,000 Composition Roof 1,970 4 $500- $1000 Deductible 980 10 Stone Siding yes
1996 110,000 Tile Roof 1,580 3 $1000-$2500 Deductible 350 7 Stone Siding No
2008 265,000 Tile Roof 3,200 4 > $10,000 Deductible 210 3 Stucco siding No
2007 235,000 Wood Shake Roof 3,000 4 $500 Deductible 1030 10 Stucco siding yes
2007 235,000 Asphalt Shingles Roof 2,560 4 $5000 to $10,000 Deductible 310 6 Fiber-Cement Siding yes
2006 85,000 Shingles Roof 1,270 3 $500- $1000 Deductible 410 10 Wood siding yes
2011 130,000 Asphalt Shingles Roof 1,600 3 $500- $1000 Deductible 510 8 Stucco siding No
1966 160,000 Membrane Roof 1,940 5 $500 Deductible 640 10 Brick siding No
1984 190,000 Composition Roof 2,290 3 $500 Deductible 220 4 Vinyl siding yes
1969 185,000 Shingles Roof 2,400 5 $1000-$2500 Deductible 280 6 Wood siding yes
2000 235,000 Wood Shake Roof 3,060 5 $5000 to $10,000 Deductible 560 7 Vinyl siding yes
1998 140,000 Metal Roof 1,670 3 $1000-$2500 Deductible 80 2 Stone Siding No
1997 115,000 Membrane Roof 1,600 5 $500 Deductible 490 12 Brick siding No
1989 220,000 Wood Shake Roof 2,520 4 $500 Deductible 310 5 Vinyl siding No
1983 125,000 Wood Shake Roof 1,790 4 $500- $1000 Deductible 220 4 Wood siding yes
1964 165,000 Slate Shingles Roof 1,950 4 $1000-$2500 Deductible 170 3 Stucco siding No
2013 285,000 Asphalt Shingles Roof 3,360 5 $500 Deductible 580 5 Fiber-Cement Siding No
1961 155,000 Membrane Roof 1,910 3 $5000 to $10,000 Deductible 100 2 Stucco siding No
2008 165,000 Asphalt Shingles Roof 2,380 3 $500- $1000 Deductible 260 3 Stone Siding yes
1965 210,000 Membrane Roof 2,730 5 $1000-$2500 Deductible 180 2 Stone Siding No
1968 160,000 Membrane Roof 1,690 3 $1000-$2500 Deductible 200 5 Stone Siding No
1986 340,000 Slate Shingles Roof 3,690 5 $500- $1000 Deductible 360 3 Stone Siding No
1986 125,000 Shingles Roof 1,690 3 $500- $1000 Deductible 40 1 Brick siding yes
1988 140,000 Asphalt Shingles Roof 1,650 4 $500- $1000 Deductible 100 2 Vinyl siding No
1961 130,000 Composition Roof 1,630 4 $500 Deductible 110 2 Brick siding yes