Mobile ,AL Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.
VHome Insurance conducted a thorough analysis of the Mobile, AL homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Mobile, AL is $1652. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Mobile, AL. VHome Insurance will help you navigate the world of homeowners insurance coverages in Mobile, AL.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $661 |
| $200,000 | $1,123 |
| $300,000 | $1,388 |
| $400,000 | $2,115 |
| $500,000 | $2,660 |
Home insurance costs in Mobile can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.
| Zipcode | Average Insurance Premium |
|---|---|
| 036607 | $2,177 |
| 36611 | $2,126 |
| 36605 | $2,134 |
| 36603 | $2,141 |
| 36617 | $2,113 |
| 36612 | $2,111 |
| 36610 | $2,081 |
| 36602 | $2,288 |
| 36695 | $2,297 |
| 36604 | $2,272 |
| 36608 | $2,255 |
| 36693 | $2,251 |
| 36609 | $2,247 |
| 36619 | $2,214 |
| 36618 | $2,180 |
| 36606 | $2,192 |
One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Mobile, AL, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,694 |
| $1000 Deductible | $1,515 |
| $1500 Deductible | $1,429 |
| $2500 Deductible | $1,289 |
| $5000 Deductible | $1,090 |
| Home Insurance Company Near Mobile, AL | Homeowners Insurance Agency Near Mobile, AL | Address |
|---|---|---|
| Travelers | Statewide Auto & Home | 3221 SPRING HILL AVE, MOBILE, AL, 36607 |
| NA | Lucedale Insurance Agency Inc | Po Box 178, Lucedale, MS, 39452 |
| Nationwide | Adrienne L Tucker & Associates Inc | 7875 Moffett Rd Ste D, Semmes, AL, 36575 |
| State Farm | Donna Gatlin | 401 Sarald Blvd S, Saraland, AL, 36571-2812 |
| State Farm | Doug Taylor | 21783 A Hwy 59, Robertsdale, AL, 36567 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Chickasaw city, Alabama | $117 | $155 | $233 |
| Prichard city, Alabama | $116 | $154 | $231 |
| Saraland city, Alabama | $120 | $160 | $240 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Mobile, AL | 6.8% | 20.7% |
| Chickasaw | 7.81% | 22.83% |
| Prichard | 8.16% | 22.65% |
| Saraland | 6.85% | 21.78% |
| Mobile Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 696 | 2.0% | $360 |
| $200 to $299 | 1,496 | 5.0% | $810 |
| $300 to $499 | 3,621 | 12.0% | $1260 |
| $500 to $749 | 9,857 | 33.0% | $1935 |
| $750 to $999 | 8,170 | 27.0% | $2685 |
| $1,000 to $1,499 | 5,090 | 17.0% | $3810 |
| $1,500 or more | 524 | 1.0% | $5460 |
| Streets in Mobile Area | Homeowners Insurance Cost |
|---|---|
| Driver St, S Bessemer Ave, Berwyn Dr W, Viaduct Rd, S Waringwood Dr, River Forest Dr, Marengo Dr, S Thigpen Dr, Venella Ave, W Elm St | $932 |
| Cherry Dr, Peyton Ct, Sarah St, Newton St, Cherokee St, Belvedere Cir S, Pickell Dr, Ostrom Dr, Nelson Dr, Roxboro Ct | $934 |
| W Sheffield Cir, Charles St, Racelia Dr, Wilson Blvd, Snyder Dr, Maudelayne Dr N, Burlington Ct, Dartmouth Dr, Springhill Trce, W Chadwick Dr | $982 |
| Lucille St, Hickory Ln, Carmary Dr, Yester Oaks Dr, Wellington St, Brighton Pl, Chatague Ave, Reed Rd, Dodge Dr S, N Fontainebleau Dr | $918 |
| Saint Johns Chapel Rd, Youngs Aly, Gorums Ln, Barbara Dr, Skidmore St, Quail Run E, Blair Ave, Fordham Rd, Jared Ct, Parkwood Dr W | $952 |
| Washam St, Devendel Ln, Park Pines Dr, Chandler St, Hillwood Dr W, S Ridge Rd, S Reed Ave, Setter Rd, Harper Ave, Woodcliff Dr N | $941 |
| Pennington Cir, Union Ave, Almeda Ct, University Blvd, N Fairport Dr, Point Legere Rd, Heather St, Pvt Rd 155, E Morlee Dr, Magnolia St | $919 |
| Etheridge St, Martha Alleyn Dr, S Thomas Ave, Cobblestone Way W, Eugene Ave, Dewitt Ave, Wyoming Cir, Garmons Ln, Perimeter Rd, Thompson Blvd | $986 |
| Gibson Pl W, Baratara Dr, Rebecca Dr W, Valmoral Dr, Bank Ave, Indian Creek Dr S, Penny Ln, Mallard Dr, Carter St, Crabtree Ln E | $968 |
| Wiley St, Princess Helen Rd W, Duncan St, S Jefferson St, S Druid Dr, S Noble Dr, Cedar Downs Dr, S Muir Woods Ct, Binghamton Dr, Albert St | $948 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Mobile | $142 to $145 |
| Chickasaw | $140 |
| Prichard | $138 |
| Saraland | $144 |
| Deductible | Coverage | Company | Premium ($) |
|---|---|---|---|
| $500 | $150,000 | Alfa Mutual General Insurance Co | 2509 |
| $500 | $150,000 | Allstate Vehicle And Property Insurance Company | 749 |
| $500 | $150,000 | Armed Forces Insurance Exchange | 833 |
| $500 | $150,000 | Mid Century Ins Co | 1493 |
| $500 | $150,000 | Safeco Insurance Company Of America | 1018 |
| $500 | $150,000 | United Services Automobile Association | 1209 |
| $500 | $300,000 | American National Property & Casualty Company | 1098 |
| $500 | $300,000 | Amica Mutual Ins Company | 3020 |
| $500 | $300,000 | Guideone Specialty Mutual Insurance Co | 1988 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,000 | $2,000 |
| Yearly Mobile Homeowner Insurance Premium Example | $500 | $300 |
| Out of Pocket Expense During Claim | $1,000 | $2,000 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $5,000 | $4,400 |
| Net Savings to Mobile Home Owner from High Deductible Plan | $600 | |
| Scenario | Mobile, AL Home Replacement Value MORE than Home Value | Mobile, AL Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $86,500 | $67,000 |
| Insurance Premium based on Replacement Value | $475 | $375 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $11,000 | Risk Exposure from Under Insuring Coverage is $8,500 |
| Premium Impact | Insurance cheaper by $50/year | Insurance costlier by $50/year |
| Insurance Company | State Farm | Liberty Mutual | Amica Mutual Insurance Company |
| Monthly Premium | 67 | 46 | 62 |
| Year Built | 1960 | 1974 | 1985 |
| Home Details | 3 Beds, 1 Baths | 4 Beds, 3 Baths | 5 Beds, 2 Baths |
| Coverage Amount | $200000-$250000 | $200000-$250000 | $250000-$300000 |
| Deductible | $2500-$5000 Deductible | > $10,000 Deductible | $5000 to $10,000 Deductible |