Madison Insurance Rates:

Madison, AL homeowners insurance is nearly $867 to $1,182, about $72-$98/month. Our extensive research reveals consumers can save as much as $409 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

American Modern Insurance
I don't like that they will immediately end your policy if you are one day late. this hasn't happened to me, but it makes me nervous enough to worry that it might happen accidentally.
Geico
I would rate Geico a 4 as I haven't had to many issues with the company this far. They always take my questions and frustrations seriously and attempt to correct the issues in a timely manner.
State Farm
I have always had State Farm Insurance and my experience has always been great. Even moving to 3 different states during that time, the customer service has remained high.
Travelers
The deductible on my policy is adjustable, and is in line with the options available at other major insurers. At least for my home, pricing seems to be slightly better than other insurers I looked at.
Travelers
The protect my wifes jewelry in case it gets stolen and lost. There is also coverage for my sump pump and sewer
State Farm
my experience with my insurance company has been nothing but pleasant. customer service is always great and never a long wait.
Amica Mutual Insurance
amica home insurance is best companies in every. Then, i like so much in the company home insurance ins must in all citizens.
Allstate
I really like how all state is very quick to return my calls. once i have a very bad leak in my upstairs bathroom, and i called them for assistance, and they returned my phone call within 45 minutes. when choosing my home insurance company, i chose all state for this reason.
Progressive
A third thing i like about progressive is that i was able to select the specific coverage options i wanted to be included in my plan.
Allstate
We like the ease of use of our insurance company's website. It is very user-friendly and easy to navigate. It also shows us exactly what our bills are, and when they are due.
State Farm
Customer service is always excellent. Very nice people and they are always willing to work with me.
State Farm
We call the office and they respond, it’s as simple as that, and we like it simple. Easier than having to deal with customer support over the internet.
Travelers
Overall I would recommend this insurance company for a home insurance policy. My insurance company has provided me with a good service so far.
Allstate
Not sure about what they offer compared to other companies.When there was a wild fire last fall though I heard others complaining about them not offering compensation to stay in a hotel.
Allstate
Yes, i defiantly tell about the insurance for my friends and family relatives. It was more features are available for the insurance company and give a good customer service.

Madison, AL Homeowners Insurance By Home Value

Madison, AL Home Value Total Homes % of Total Average Madison, AL Homeowners Insurance
Less than $50,000 163 1.0% $102
$60,000 to $69,999 109 1.0% $286
$70,000 to $79,999 147 1.0% $327
$80,000 to $89,999 129 1.0% $368
$90,000 to $99,999 148 1.0% $419
$100,000 to $124,999 781 7.0% $481
$125,000 to $149,999 1,142 11.0% $604
$150,000 to $174,999 1,065 10.0% $716
$175,000 to $199,999 953 9.0% $829
$200,000 to $249,999 1,981 19.0% $993
$250,000 to $299,999 1,442 14.0% $1218
$300,000 to $399,999 1,975 19.0% $1546

Top Home Insurance Agents Near Madison, AL

Home Insurance Company Near Madison, AL Homeowners Insurance Agency Near Madison, AL Address
State Farm Bradley Hamner 11310 Memorial Pkwy SW Ste C, Huntsville, AL, 35803-2477
Farmers Cale Abernathy 22270c Us Highway 72, Athens, AL, 35613
Farmers Charles Dorning 102 Maple St E, Fayetteville, TN, 37334
Travelers Chris Miller Agency 3315 MEMORIAL PKWY SW BUILDING 400 STE 5, HUNTSVILLE, AL, 35801
Travelers Community Insurance Llc 100 Church St Ste 600, Huntsville, AL, 35801

Madison, AL Home Insurance Agents for Top Companies


Madison, 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
Triana CCD, Madison County, Alabama $155 $206 $309
Mooresville CCD, Limestone County, Alabama $152 $203 $305
Huntsville CCD, Madison County, Alabama $146 $195 $293

Madison, 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
Madison, AL5.3%22.2%
Triana5.87%20.24%
Mooresville5.79%22.22%
Huntsville6.88%23.44%

Madison Renters Insurance as a Percentage of Rent

Madison Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 47 1.0% $776
$300 to $499 166 4.0% $1226
$500 to $749 1,025 25.0% $1901
$750 to $999 1,540 37.0% $2651
$1,000 to $1,499 972 23.0% $3776
$1,500 or more 295 7.0% $5426

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

Deductible Coverage Company Premium ($)
$500 $150,000 Alfa Mutual General Insurance Co 1571
$500 $150,000 Country Mutual 1046
$500 $150,000 Travelers Home And Marine Insurance Company 1695
$500 $150,000 United Services Automobile Association 1191
$500 $300,000 Alfa Mutual General Insurance Co 3136
$500 $300,000 Armed Forces Insurance Exchange 1370
$500 $300,000 Farmers Insurance Exchange 2749
$500 $300,000 Nationwide Mutual Fire Ins Company 1965
$500 $300,000 Travelers Home And Marine Insurance Company 3169

Madison, AL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$800$1,800
Yearly Madison Homeowner Insurance Premium Example $1,900$1,400
Out of Pocket Expense During Claim$800$1,800
Total Home Insurance Premium for 3 years + Out of Pocket Expense for Claim $6,500$6,000
Net Savings to Madison Home Owner from High Deductible Plan $500

Madison, AL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Madison, AL Home Replacement Value MORE than Home Value Madison, AL Home Replacement Value LESS than Home Value
Replacement Value $278,500 $167,500
Insurance Premium based on Replacement Value $1,450 $875
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $50,000 Risk Exposure from Under Insuring Coverage is $61,000
Premium Impact Insurance cheaper by $325/year Insurance costlier by $250/year

Example Madison Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceState FarmChubb Group of Insurance
Monthly Premium 7813380
Year Built 200419902013
Home Details 3 Beds, 1 Baths4 Beds, 2 Baths5 Beds, 1 Baths
Coverage Amount $300000-$350000$350000-$400000$400000-$500000
Deductible $2500-$5000 Deductible$2500-$5000 Deductible> $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1998 175,000 Composition Roof 1,710 3 $500 Deductible 190 3 Wood siding yes
1999 195,000 Asphalt Shingles Roof 1,520 5 $500 Deductible 800 10 Brick siding No
1994 160,000 Slate Shingles Roof 1,450 3 $5000 to $10,000 Deductible 80 2 Brick siding No
1991 185,000 Asphalt Shingles Roof 1,750 4 $500- $1000 Deductible 490 7 Vinyl siding No
2006 510,000 Membrane Roof 3,530 5 $500- $1000 Deductible 1480 8 Brick siding yes
1990 245,000 Slate Shingles Roof 2,340 4 $500- $1000 Deductible 300 3 Vinyl siding No
2000 320,000 Wood Shake Roof 2,280 3 $5000 to $10,000 Deductible 550 7 Wood siding yes
2009 240,000 Composition Roof 2,060 4 $1000-$2500 Deductible 350 4 Stucco siding yes
2014 285,000 Metal Roof 2,340 5 $2500-$5000 Deductible 70 1 Wood siding No
1992 285,000 Slate Shingles Roof 2,080 4 $500 Deductible 360 3 Vinyl siding No
2008 330,000 Metal Roof 2,660 4 $2500-$5000 Deductible 910 10 Brick siding yes
1999 315,000 Metal Roof 2,270 4 $5000 to $10,000 Deductible 320 5 Stucco siding No
2010 420,000 Tile Roof 2,990 5 $500 Deductible 170 1 Wood siding yes
1994 210,000 Metal Roof 1,600 3 $2500-$5000 Deductible 630 10 Fiber-Cement Siding yes
2011 455,000 Composition Roof 3,350 4 $2500-$5000 Deductible 1160 7 Fiber-Cement Siding yes
2010 200,000 Membrane Roof 1,920 5 $1000-$2500 Deductible 260 6 Brick siding yes
2005 315,000 Metal Roof 2,810 4 $500 Deductible 970 9 Wood siding No
2000 425,000 Composition Roof 3,950 5 $500 Deductible 620 4 Brick siding yes
2004 325,000 Asphalt Shingles Roof 2,460 5 $2500-$5000 Deductible 1260 12 Vinyl siding No
1994 240,000 Shingles Roof 1,720 5 $1000-$2500 Deductible 500 5 Fiber-Cement Siding yes
2000 370,000 Asphalt Shingles Roof 2,720 4 $5000 to $10,000 Deductible 790 9 Vinyl siding No
2011 555,000 Membrane Roof 3,960 5 $1000-$2500 Deductible 520 2 Stucco siding No
2000 355,000 Asphalt Shingles Roof 3,340 4 $1000-$2500 Deductible 440 4 Stone Siding No
2002 250,000 Metal Roof 2,410 4 $500 Deductible 300 4 Fiber-Cement Siding No
1990 195,000 Metal Roof 1,710 3 $1000-$2500 Deductible 330 5 Wood siding No
1994 350,000 Metal Roof 3,090 5 $1000-$2500 Deductible 490 6 Vinyl siding yes
2014 595,000 Membrane Roof 4,230 5 > $10,000 Deductible 280 2 Fiber-Cement Siding No
2003 210,000 Composition Roof 1,690 4 $5000 to $10,000 Deductible 130 2 Stone Siding No
2010 235,000 Tile Roof 1,880 3 $500- $1000 Deductible 690 10 Brick siding No
2000 440,000 Shingles Roof 2,950 5 > $10,000 Deductible 860 10 Brick siding yes
2012 335,000 Asphalt Shingles Roof 2,710 5 $2500-$5000 Deductible 270 3 Stone Siding yes
1999 240,000 Asphalt Shingles Roof 1,780 3 $1000-$2500 Deductible 460 4 Stone Siding No
2004 360,000 Shingles Roof 3,250 4 $5000 to $10,000 Deductible 210 2 Wood siding No
2007 600,000 Tile Roof 4,610 5 $5000 to $10,000 Deductible 150 1 Wood siding yes

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