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.
American Modern Insurance
We haven't had any problems since we sign up with american modern. no fishy business or small letter weird clauses.
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
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

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
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