Munford Insurance Rates:

Munford, AL homeowners insurance is about $804 to $1,108, about $67-$92/month. Our extensive analysis 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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Munford, AL Homeowners Insurance By Home Value

Munford, AL Home Value Total Homes % of Total Average Munford, AL Homeowners Insurance
Less than $50,000 516 22.0% $200
$50,000 to $59,999 127 5.0% $420
$60,000 to $69,999 115 4.0% $516
$70,000 to $79,999 103 4.0% $602
$80,000 to $89,999 139 5.0% $678
$90,000 to $99,999 70 2.0% $755
$100,000 to $124,999 247 10.0% $879
$125,000 to $149,999 101 4.0% $1099
$150,000 to $174,999 312 13.0% $1300
$175,000 to $199,999 91 3.0% $1500
$200,000 to $249,999 290 12.0% $1806
$250,000 to $299,999 62 2.0% $2208
$300,000 to $399,999 166 7.0% $2810

Top Home Insurance Agents Near Munford, AL

Home Insurance Company Near Munford, AL Homeowners Insurance Agency Near Munford, AL Address
NA Insurancesouth 4647 Highway 280 , Birmingham, AL, 35242
NA Moor & Company, Inc. 27 Fairway Drive Birmingham, Mountain Brook, AL, 35213
State Farm Albia Steers 1010 N Broadway Ave, Sylacauga, AL, 35150-2162
State Farm Jp Dailey 1911 Martin St S Ste 5, Pell City, AL, 35128-2372
Farmers Tom Gant 1820 Cogswell Ave, Pell City, AL, 35125

Cost Of Homeowners Insurance By Street Near Munford, AL

Streets in Munford Area Homeowners Insurance Cost
Co Rd 468, McElderry Cir, Streeter Ln, Anna Mattison Rd, Oak Grove Rd, Pilgrim Ln, Gatlin Rd, Heath Ln, Victoria Walk, Foster Ln$924
Sleepy Hollow Cir, Brickstore Rd, Lackey Ln, Ford Ln, Railroad St, Woodward Ave, Peek Dr, Stephens St, Holly Ln, Mahaffey Rd$922
Cunningham Ln, Peek Ct, Brookside Ln, Orr Rd, H J Bentley Jr Pkwy, Cobb Rd, Creek Rd, 2nd Ave S, Denny Rd, Bannister Ln$999
Teal Dr, Lataste Dr, Relative Cir, Bass Ln, Southern Railway, Valleyview Dr, Woody Ln, National Forest Rd, Marsh Ln, Right Fork Ln$972
McNabb Rd, Heritage Way, Heard's Ln, Gannaway Ln, Co Rd 473, Smith Ln, Henry Ln, Maddox Cir, Wendwood Cir, Curry Station Rd$976

Munford, AL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Munford$141 to $145
Oxford$143
Hobson City$138
West End-Cobb Town$137

Munford, 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
Oxford city, Alabama $143 $191 $287
Hobson City town, Alabama $138 $184 $276
West End-Cobb Town CDP, Alabama $137 $183 $275

Munford, 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
Munford, AL8.0%24.1%
Oxford7.09%24.74%
Hobson City8.66%26.28%
West End-Cobb Town9.57%27.45%

Munford Renters Insurance as a Percentage of Rent

Munford Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 72 8.0% $1260
$500 to $749 450 54.0% $1935
$750 to $999 110 13.0% $2685
$1,000 to $1,499 188 22.0% $3810

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

Deductible Coverage Company Premium ($)
$500 $150,000 American National Property & Casualty Company 814
$500 $150,000 Coastal American Insurance Company 1272
$500 $150,000 Country Casualty Insurance Company 1300
$500 $150,000 Farmers Insurance Exchange 1335
$500 $150,000 Fire Insurance Exchange 1632
$500 $150,000 Guideone Specialty Mutual Insurance Co 1142
$500 $150,000 Nationwide Property & Casualty Ins Company 1427
$500 $300,000 Alfa Mutual General Insurance Co 3980
$500 $300,000 Armed Forces Insurance Exchange 1359
$500 $300,000 Guideone Specialty Mutual Insurance Co 1714

Munford, AL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,500$2,500
Yearly Munford Homeowner Insurance Premium Example $1,000$800
Out of Pocket Expense During Claim$1,500$2,500
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $9,500$8,900
Net Savings to Munford Home Owner from High Deductible Plan $600

Munford, AL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Munford, AL Home Replacement Value MORE than Home Value Munford, AL Home Replacement Value LESS than Home Value
Replacement Value $224,000 $144,000
Insurance Premium based on Replacement Value $1,025 $650
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $29,500 Risk Exposure from Under Insuring Coverage is $50,500
Premium Impact Insurance cheaper by $225/year Insurance costlier by $150/year

Example Munford Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceState FarmLiberty Mutual
Monthly Premium 686958
Year Built 200220101991
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 2 Baths
Coverage Amount $200000-$250000$250000-$300000$125000-$150000
Deductible $5000 to $10,000 Deductible> $10,000 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2001 390,000 Composition Roof 4,820 5 $500 Deductible 590 3 Stone Siding yes
2012 300,000 Tile Roof 3,330 4 $500 Deductible 210 2 Stone Siding yes
2011 205,000 Tile Roof 2,500 4 > $10,000 Deductible 410 9 Stucco siding No
1984 125,000 Wood Shake Roof 1,700 3 $500 Deductible 590 12 Wood siding yes
2011 200,000 Membrane Roof 2,740 5 $500- $1000 Deductible 70 1 Fiber-Cement Siding yes
2008 265,000 Tile Roof 2,830 4 > $10,000 Deductible 230 5 Brick siding yes
1988 125,000 Tile Roof 1,720 4 $1000-$2500 Deductible 280 7 Vinyl siding yes
2010 125,000 Tile Roof 1,590 3 $500 Deductible 490 10 Stucco siding No
1980 175,000 Wood Shake Roof 2,120 5 $2500-$5000 Deductible 430 9 Brick siding No
2005 120,000 Membrane Roof 1,740 5 $500 Deductible 150 3 Stone Siding yes
1992 245,000 Shingles Roof 3,590 5 $500 Deductible 1030 10 Stucco siding No
1987 385,000 Wood Shake Roof 4,280 5 $500- $1000 Deductible 1000 6 Stone Siding No
2010 120,000 Slate Shingles Roof 1,840 4 $2500-$5000 Deductible 290 7 Stucco siding yes
2011 115,000 Asphalt Shingles Roof 1,290 3 $500- $1000 Deductible 240 4 Vinyl siding yes
1997 245,000 Asphalt Shingles Roof 3,070 4 $500 Deductible 650 7 Vinyl siding No
2000 155,000 Wood Shake Roof 1,950 3 $2500-$5000 Deductible 310 5 Brick siding yes
1980 195,000 Shingles Roof 2,290 3 $500- $1000 Deductible 150 2 Brick siding No
2006 230,000 Asphalt Shingles Roof 3,090 4 $500- $1000 Deductible 260 3 Brick siding yes
2007 150,000 Membrane Roof 1,900 3 $500- $1000 Deductible 300 5 Wood siding No
1995 115,000 Composition Roof 1,780 3 $2500-$5000 Deductible 320 8 Stone Siding yes
2011 105,000 Composition Roof 1,350 3 $2500-$5000 Deductible 70 2 Vinyl siding yes
2006 105,000 Wood Shake Roof 1,620 4 $2500-$5000 Deductible 110 5 Stone Siding No
2006 130,000 Slate Shingles Roof 1,550 3 $500 Deductible 650 10 Fiber-Cement Siding No
1997 90,000 Tile Roof 1,380 3 $2500-$5000 Deductible 320 12 Wood siding yes
2003 120,000 Wood Shake Roof 1,610 3 $1000-$2500 Deductible 340 10 Wood siding yes
1998 200,000 Wood Shake Roof 2,310 3 $500- $1000 Deductible 440 6 Brick siding No
2011 180,000 Slate Shingles Roof 2,010 3 $1000-$2500 Deductible 740 12 Stucco siding No
2013 190,000 Asphalt Shingles Roof 2,860 4 $5000 to $10,000 Deductible 490 12 Vinyl siding No
1995 215,000 Slate Shingles Roof 2,920 4 $500 Deductible 660 8 Stone Siding yes
1999 200,000 Composition Roof 2,230 4 $500- $1000 Deductible 1240 12 Stucco siding yes