Montgomery Insurance Rates:

Montgomery, AL homeowners insurance is roughly $812 to $1,100, about $67-$91/month. Our comprehensive guide indicates shoppers can save as much as $382 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
I love that they are part of the fabric of the neighborhood, participate in community events, know the faces and names and that they have a very accessible office
State Farm
I hear that response time can be very bad, like one instance where a tree fell on a statefarm customers house, and it took a very long time for a claims adjuster to come by. the customer also had no electricity and gas for a whole week and statefarm apparently didn't care about it.
Allstate
I like that their mobile app is easy to use and my ability to resolve an issue can be solved at many convenient times for me. The CSR team are also good in resolving any kind of issues
State Farm
I feel like I pay a very high premium. In comparison to other insurance companies, I pay much more in premiums each month.
State Farm
They are always reachable over the phone and even during off hours, their call center staff is friendly and helpful they really make you feel better after something bad happens.
American Modern Insurance
I like that the company has worked with me to get me a reasonable premium. I like that I can pay online and pay by credit card, and that the amount due can be broken up into several payments throughout the year. I haven't had any issues with this company.
Liberty Mutual
Overall I feel my money has not gone to waste as it has with other insurance companies, they offer a great service and I plan to stay with them.
Nationwide
I don't really have anything that I don't like about them. They seem to be very good and caring. I hope I never had to File a claim with them.
State Farm
I can't think of anything I dislike about this company, I have used them for years for auto and now they're insuring my first home and I appreciate the ease and friendliness.
Progressive
They seem fine, but I don't feel like I am able to really evaluate them until I have to deal with a claim. But they payment process was really easy.
Safeco Insurance
I'm sure they can do better, but it's the cheapest I could find. I don't get how one company is more expensive than the other for the same coverage.
State Farm
I would recommend this company to someone that is looking for an insurance company that is reliable and very customer service oriented. This is the main reason ive stuck with this company even though ive had better rates else where
State Farm
State Farm is a great company, we are very happy with the service, and would very happily recommend it to anyone
Farmer's Insurance
I can recommend this policy because it cover most parts than other policy companys and their premium plans are comfortable
Nationwide
They have always been nice, rates haven't increased over the years, they are a reputable company in the industry and provider low deductible options. Plus I can spread out my annual premium in monthly payments via escrow.
Amica Mutual Insurance
I'm not sure what I like at this time as I have only had the policy for one month. I do like that they offer discounts when you bundle with auto.
Travelers
If the cost of premium keeps rising, I will have to consider a change in insurance coverage and what is covered. These insurance coverages might be extended in my limited understanding, but I wish it was easier on my budget.
Progressive
I would recommend, I have been satisfied and believe If I had a need for a claim that it would be quick and easy like my car claims. However if I ever had a claim that went differently than expected.
American Modern Insurance
We haven't had any problems since we sign up with american modern. no fishy business or small letter weird clauses.
Nationwide
Nationwide is a great insurance company that takes care of their customer's needs. they are always there to be on your side.

Montgomery, AL Homeowners Insurance By Home Value

Montgomery, AL Home Value Total Homes % of Total Average Montgomery, AL Homeowners Insurance
Less than $50,000 5,209 11.0% $191
$50,000 to $59,999 1,628 3.0% $411
$60,000 to $69,999 2,491 5.0% $516
$70,000 to $79,999 3,163 7.0% $592
$80,000 to $89,999 3,248 7.0% $678
$90,000 to $99,999 3,326 7.0% $755
$100,000 to $124,999 6,180 13.0% $869
$125,000 to $149,999 5,110 11.0% $1089
$150,000 to $174,999 4,112 9.0% $1290
$175,000 to $199,999 2,846 6.0% $1491
$200,000 to $249,999 3,457 7.0% $1797
$250,000 to $299,999 2,036 4.0% $2198
$300,000 to $399,999 2,373 5.0% $2791

Top Home Insurance Agents Near Montgomery, AL

Home Insurance Company Near Montgomery, AL Homeowners Insurance Agency Near Montgomery, AL Address
NA Mims Insurance Agency 1256 Perry Hill Road, Montgomery, AL, 36109
State Farm Alex Bowden 1804 W 2nd St, Montgomery, AL, 36106-1504
Travelers Robinson Group Llc 1521 MULBERRY ST, MONTGOMERY, AL, 36106
State Farm Shane Anderson 5289 Vaughn Rd, Montgomery, AL, 36116-1104
Nationwide Stephen W Nelson 2800 Zelda Road Ste 200-2, Montgomery, AL, 36106

Montgomery, AL Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Montgomery, AL

Streets in Montgomery Area Homeowners Insurance Cost
Schley St, Flagstaff Dr, Kirkwood Dr, Sagewood Dr, Caswell Ln, Atasi Dr, N Hilliard St, Countryside Ln, Phillip St, Mary St$1,003
Greythorne Pl, Washington Ferry Rd, Rosewood Dr, Short Leaf Pine Dr, Rick Dr, Rice St, Jamac Ln, East St, George Mull St, Cheswick Ct$930
Hibiscus St, Hope Dr, Holmes Way, Smallbrook Dr, Highpoint Rd, Melton Rd, Cedar Pines Rd, Eddins Rd, Knollgate Rd, Blair Pl$940
Penn Rd, Forest Edge Pl, Treat Rd, Woodmere Blvd, Overhill Rd, Finley Ave, Putnam St, Duff St, Heath Dr, Hilmar Ct$979
Forest Grove Dr, Festival Pl, N McCracken Ave, Whetstone Dr, Sanford St, Park Blvd, Wynford Cir, Tillman Ct, Cobb Ln, Mosswood Rd$942
Elm Dr, Bristlecone Dr, Teague Rd, Fieldstone Ct, Short St, Hilda Dr, S Lincoln Ter, Lakeridge Dr, N Union St, Ledyard Dr$924
Williams Stinson Rd, Mendel Pkwy E, Loxley Ln, Dunleith, Baldwin Brook Dr, Gundy St, Greythorne Way, Delta St, Lyndle Rd, Grande Ave$940
Warrenton Rd, Springfield Dr, Thurston Dr, Reid St, Newcomb Ave, Brewer Rd, Ashton Rd, Deeming St, Teresa St, Twin Lakes Dr W$928
Kenilworth St, Festival Dr, Festival Ln, Ray Thorington Rd, Ralston Way, Wildbriar Ln, N Wallace Dr, Euclid Cir, Peppertree Ln, Lakeside Ln$968
Eastwood Dr, Plantation Ridge Rd, Barberry St, Woodward Ave, Goodwyn Ct, S Morris Ave, Boys Club Rd, Westport Blvd, Floral Ln, Crystal Rd$946

Montgomery, AL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Montgomery$143 to $145
Montgomery County$143
Coosada$142
Hope Hull$140

Montgomery, 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
Montgomery County, Alabama $143 $191 $287
Coosada town, Alabama $142 $189 $284
Hope Hull CCD, Montgomery County, Alabama $140 $187 $281

Montgomery, 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
Montgomery, AL6.8%21.8%
Montgomery County6.71%21.69%
Coosada6.85%22.83%
Hope Hull7.75%19.19%

Montgomery Renters Insurance as a Percentage of Rent

Montgomery Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 478 1.0% $359
$200 to $299 1,001 3.0% $809
$300 to $499 2,305 7.0% $1259
$500 to $749 9,010 29.0% $1934
$750 to $999 10,401 34.0% $2684
$1,000 to $1,499 5,814 19.0% $3809
$1,500 or more 1,363 4.0% $5459

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

Deductible Coverage Company Premium ($)
$500 $150,000 Farmers Insurance Exchange 1428
$500 $150,000 Fire Insurance Exchange 1542
$500 $150,000 Garrison Property And Casualty Insurance Company 1220
$500 $150,000 Guideone Specialty Mutual Insurance Co 1369
$500 $150,000 State Farm Fire & Casualty Company 1793
$500 $300,000 Farmers Insurance Exchange 2749
$500 $300,000 Travelers Home And Marine Insurance Company 3169
$500 $300,000 Usaa Casualty Insurance Company 2008
$500 $300,000 Usaa General Indemnity Co 1948

Montgomery, AL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$800$2,800
Yearly Montgomery Homeowner Insurance Premium Example $1,100$700
Out of Pocket Expense During Claim$800$2,800
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $8,500$7,700
Net Savings to Montgomery Home Owner from High Deductible Plan $800

Montgomery, AL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Montgomery, AL Home Replacement Value MORE than Home Value Montgomery, AL Home Replacement Value LESS than Home Value
Replacement Value $233,500 $154,000
Insurance Premium based on Replacement Value $1,350 $900
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $31,500 Risk Exposure from Under Insuring Coverage is $48,000
Premium Impact Insurance cheaper by $275/year Insurance costlier by $175/year

Example Montgomery Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company TravelersChubb Group of InsuranceNationwide Insurance
Monthly Premium 589760
Year Built 200619801977
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 1 Baths
Coverage Amount $150000-$175000$200000-$250000$175000-$200000
Deductible $500 Deductible$500 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2007 200,000 Asphalt Shingles Roof 2,130 4 $2500-$5000 Deductible 410 7 Stucco siding yes
2004 205,000 Wood Shake Roof 2,660 4 $1000-$2500 Deductible 620 12 Fiber-Cement Siding No
1962 165,000 Asphalt Shingles Roof 2,270 3 $5000 to $10,000 Deductible 40 1 Brick siding yes
1977 190,000 Wood Shake Roof 2,010 4 $500 Deductible 130 2 Stucco siding No
2010 160,000 Composition Roof 2,220 4 $500 Deductible 70 1 Stucco siding yes
2012 225,000 Composition Roof 3,360 4 $2500-$5000 Deductible 280 6 Brick siding yes
1975 140,000 Membrane Roof 1,710 4 $1000-$2500 Deductible 530 12 Wood siding yes
1978 180,000 Wood Shake Roof 2,220 3 $1000-$2500 Deductible 330 7 Vinyl siding No
1995 130,000 Membrane Roof 1,640 3 $500 Deductible 230 5 Stone Siding No
1984 420,000 Wood Shake Roof 4,820 5 $5000 to $10,000 Deductible 120 1 Wood siding No
2000 190,000 Asphalt Shingles Roof 2,000 3 $500 Deductible 80 1 Brick siding No
1977 265,000 Asphalt Shingles Roof 3,210 4 $500- $1000 Deductible 710 6 Wood siding No
2014 280,000 Metal Roof 3,000 4 $1000-$2500 Deductible 580 5 Vinyl siding No
2010 190,000 Composition Roof 2,050 4 $500- $1000 Deductible 200 2 Brick siding No
2013 145,000 Tile Roof 2,100 3 $500- $1000 Deductible 110 2 Stone Siding yes
2011 160,000 Metal Roof 2,280 4 $5000 to $10,000 Deductible 300 8 Fiber-Cement Siding No
1985 430,000 Metal Roof 4,670 5 $500 Deductible 1640 12 Stucco siding No
1996 150,000 Composition Roof 1,970 4 $1000-$2500 Deductible 270 5 Fiber-Cement Siding No
1967 185,000 Composition Roof 2,050 3 $5000 to $10,000 Deductible 120 3 Wood siding yes
1987 125,000 Tile Roof 1,810 3 $500 Deductible 130 2 Fiber-Cement Siding No
2014 265,000 Composition Roof 3,100 4 > $10,000 Deductible 320 5 Stone Siding yes
1965 185,000 Asphalt Shingles Roof 2,120 3 $5000 to $10,000 Deductible 300 5 Wood siding yes
1976 145,000 Membrane Roof 2,250 3 $1000-$2500 Deductible 300 7 Stucco siding No
2001 140,000 Asphalt Shingles Roof 1,900 4 $2500-$5000 Deductible 300 9 Brick siding yes
2005 390,000 Metal Roof 4,220 5 $1000-$2500 Deductible 330 2 Wood siding yes
2002 175,000 Shingles Roof 2,450 4 $1000-$2500 Deductible 160 3 Wood siding yes
2014 120,000 Slate Shingles Roof 1,400 3 $2500-$5000 Deductible 210 4 Fiber-Cement Siding No
1996 165,000 Tile Roof 1,980 4 $2500-$5000 Deductible 480 9 Vinyl siding No
2013 335,000 Asphalt Shingles Roof 4,490 5 > $10,000 Deductible 660 7 Vinyl siding yes
1989 225,000 Wood Shake Roof 2,720 4 $500 Deductible 940 12 Fiber-Cement Siding No
1961 80,000 Wood Shake Roof 1,553 3 $2500-$5000 Deductible 440 8 Brick siding No

Find Visual Guide for Montgomery, AL Home Insurance Buyers on Insurance Companies and Rates