Opelika Insurance Rates:

Opelika, AL homeowners insurance is approximately $816 to $1,115, about $68-$92/month. Our extensive analysis reveals consumers can save as much as $386 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
They are very accurate in the billing and handling of accounts. they use technology to prepare bills and handle claims and have many offices and agents thru out the state
State Farm
State farm is polite and quick to contact you by phone and for simple problems they handle them well.
Allstate
When we first built the house our premium was 500 dollars a year and now is $1200 a year. I realize things go up but we haven't had any claims so I wish it was lower.
State Farm
I like that they are a reliable company with a long history and a good reputation. They may have slightly higher rates than others, but they have a large network and I know they will be there when I need them.
State Farm
The most positive thing State Farm has is their customer service, their reliability, and how easy it is to work with them through all of my insurance needs.
Allstate
I would like the cost to be lower since I rarely report anything. I know also that if you ever mention anything to them it goes on your record. It would be nice if it went on your record only when they have to pay something.

Opelika, AL Homeowners Insurance By Home Value

Opelika, AL Home Value Total Homes % of Total Average Opelika, AL Homeowners Insurance
Less than $50,000 1,479 22.0% $173
$50,000 to $59,999 181 2.0% $366
$60,000 to $69,999 185 2.0% $463
$70,000 to $79,999 143 2.0% $530
$80,000 to $89,999 276 4.0% $598
$90,000 to $99,999 266 3.0% $675
$100,000 to $124,999 722 10.0% $781
$125,000 to $149,999 696 10.0% $974
$150,000 to $174,999 859 12.0% $1158
$175,000 to $199,999 517 7.0% $1331
$200,000 to $249,999 709 10.0% $1611
$250,000 to $299,999 310 4.0% $1968
$300,000 to $399,999 376 5.0% $2499

Top Home Insurance Agents Near Opelika, AL

Home Insurance Company Near Opelika, AL Homeowners Insurance Agency Near Opelika, AL Address
Travelers Daniel Realty & Insurance Agency 207 Ridley Ave, Lagrange, GA, 30240
State Farm Ken Currie 702 14th Street, Phenix City, AL, 36867-5047
Allstate Priori Ins Svcs 1431 Conecuh Ave E, Union Springs, AL, 36089
State Farm Robert Queener 4570 Reese Rd, Columbus, GA, 31907-1177
Allstate Tri Co Ins-Valley 360 Fob James Dr, Valley, AL, 36854

Cost Of Homeowners Insurance By Street Near Opelika, AL

Streets in Opelika Area Homeowners Insurance Cost
Co Rd 367, N Sagewood Ct, Keystone Dr, Lee Road 907, Crawford Rd, Co Rd 109, Co Rd 91, Co Rd 781, Willis Dr, Baker Ave$941
Lee Road 689, S Railroad Ave, Rolling Ridge, Hall Ave, Video St, Crossley Ave, W Thomason Cir, N 15th St, Co Rd 2093, Co Rd 2054$920
Jennifer Ct, Slade Ct, Spring Dr, Lee Road 191, Co Rd 632, Tulip Ct, Co Rd 75, Lone Eagle Ln, Spring Villa Rd, Lee Road 73$971
Terracewood Dr, Mann Ave, Co Rd 76, Southers Ct, Timberwood Dr, South Ct, Kalypso Cir, Samford Ct, Carol Ave, Co Rd 862$969
S Railroad Ave, Co Rd 735, Opelika Rd, Sawyer Dr, Co Rd 651, Lee Road 83, Bridle Ct, Barkley Crest Dr, N 30th St, Lee Road 2038$988
Co Rd 54 E, Ave C, Co Rd 706, N 29th St, Co Rd 217, Columbia Dr, Jollit Ave, Beehive Rd, Grouse Ave, Northridge Dr$974
Kilgore Ct, S 9th St, Cottonwood St, Co Rd 156, Market St, Mercer, Meadow Ave, Co Rd 175, Dunbar Ct, Co Rd 624$920
Lancaster Ave, York Ave, Lee Road 421, Co Rd 726, Talladega St, Samford Pl, Ave D, Sheath Rd, N 8th St, Thorpe St$940
Brannon Ave, Kellie Ln, Hunter St, Lee Road 368, Lee Road 823, Waverly Pl, S Long St, 1st Ave, Lee Road 268, Lee Road 22$955
Persimmon Dr, Co Rd 190, Allen St, Seay Cir, Lee Road 88, Lee Road 694, Co Rd 381, Buckhead Ln, Lee Road 732, Southridge Ct$956

Opelika, AL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Opelika$143 to $145
Auburn-Opelika$147
Lee County$146
Auburn$152

Opelika, 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
Auburn-Opelika CCD, Lee County, Alabama $147 $196 $294
Lee County, Alabama $146 $194 $291
Auburn city, Alabama $152 $203 $305

Opelika, 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
Opelika, AL7.1%23.5%
Auburn-Opelika6.4%21.82%
Lee County6.65%22.12%
Auburn5.59%21.36%

Opelika Renters Insurance as a Percentage of Rent

Opelika Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 59 1.0% $355
$200 to $299 224 6.0% $805
$300 to $499 630 19.0% $1255
$500 to $749 1,136 34.0% $1930
$750 to $999 898 27.0% $2680
$1,000 to $1,499 285 8.0% $3805
$1,500 or more 46 1.0% $5455

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

Deductible Coverage Company Premium ($)
$500 $150,000 American National Property & Casualty Company 691
$500 $150,000 Guideone Mutual Insurance Company 1008
$500 $150,000 Usaa Casualty Insurance Company 1089
$500 $300,000 Alfa Mutual General Insurance Co 3685
$500 $300,000 Amica Mutual Ins Company 3302
$500 $300,000 Coastal American Insurance Company 348
$500 $300,000 Country Mutual 1588
$500 $300,000 Farmers Insurance Exchange 2371
$500 $300,000 Travelers Home And Marine Insurance Company 1074
$500 $300,000 United Services Automobile Association 1538

Opelika, AL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,000$2,000
Yearly Opelika Homeowner Insurance Premium Example $700$500
Out of Pocket Expense During Claim$1,000$2,000
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $6,600$6,000
Net Savings to Opelika Home Owner from High Deductible Plan $600

Opelika, AL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Opelika, AL Home Replacement Value MORE than Home Value Opelika, AL Home Replacement Value LESS than Home Value
Replacement Value $354,500 $246,000
Insurance Premium based on Replacement Value $1,800 $1,250
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $47,000 Risk Exposure from Under Insuring Coverage is $61,500
Premium Impact Insurance cheaper by $300/year Insurance costlier by $250/year

Example Opelika Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyLiberty MutualAllstate
Monthly Premium 387780
Year Built 199620131983
Home Details 3 Beds, 2 Baths4 Beds, 2 Baths5 Beds, 2 Baths
Coverage Amount $75000-$100000$175000-$200000$300000-$350000
Deductible $500- $1000 Deductible$1000-$2500 Deductible> $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1995 100,000 Wood Shake Roof 1,470 3 $500- $1000 Deductible 140 3 Stone Siding No
1976 155,000 Tile Roof 1,640 3 $500 Deductible 770 10 Vinyl siding No
1999 215,000 Tile Roof 2,170 5 $2500-$5000 Deductible 160 2 Brick siding yes
1990 110,000 Wood Shake Roof 1,570 3 $1000-$2500 Deductible 210 5 Vinyl siding yes
1977 215,000 Membrane Roof 2,330 3 $500- $1000 Deductible 200 3 Vinyl siding No
1979 245,000 Membrane Roof 2,470 4 > $10,000 Deductible 420 10 Fiber-Cement Siding yes
2005 210,000 Membrane Roof 2,400 4 $1000-$2500 Deductible 680 9 Stucco siding yes
1994 155,000 Membrane Roof 1,690 4 $2500-$5000 Deductible 280 4 Vinyl siding yes
1984 190,000 Shingles Roof 2,510 4 $1000-$2500 Deductible 370 6 Fiber-Cement Siding yes
1988 225,000 Membrane Roof 2,320 3 $500- $1000 Deductible 410 5 Vinyl siding yes
1991 190,000 Tile Roof 2,350 3 $2500-$5000 Deductible 480 10 Stucco siding yes
1983 335,000 Wood Shake Roof 3,350 4 $1000-$2500 Deductible 1400 10 Brick siding No
1993 155,000 Slate Shingles Roof 1,800 3 $1000-$2500 Deductible 80 2 Wood siding yes
2011 160,000 Membrane Roof 2,120 3 $1000-$2500 Deductible 570 10 Brick siding No
1987 470,000 Membrane Roof 4,680 5 $500- $1000 Deductible 1870 12 Fiber-Cement Siding yes
1995 170,000 Wood Shake Roof 2,180 3 $5000 to $10,000 Deductible 410 10 Fiber-Cement Siding No
1975 325,000 Shingles Roof 3,220 5 $5000 to $10,000 Deductible 400 4 Brick siding No
2002 180,000 Tile Roof 2,370 5 $500- $1000 Deductible 70 1 Vinyl siding No
1973 230,000 Tile Roof 3,260 5 $2500-$5000 Deductible 510 9 Stone Siding yes
2001 275,000 Asphalt Shingles Roof 3,080 4 > $10,000 Deductible 420 6 Fiber-Cement Siding No
1971 285,000 Shingles Roof 2,840 4 $500 Deductible 350 3 Fiber-Cement Siding No
2012 200,000 Metal Roof 2,320 5 $2500-$5000 Deductible 410 7 Wood siding yes
2013 190,000 Metal Roof 2,410 4 $5000 to $10,000 Deductible 590 12 Stone Siding No
2000 170,000 Slate Shingles Roof 2,000 3 $5000 to $10,000 Deductible 70 2 Vinyl siding yes
1976 185,000 Composition Roof 2,300 3 $2500-$5000 Deductible 530 8 Wood siding No
2005 95,000 Metal Roof 1,330 3 $500 Deductible 290 7 Vinyl siding No
2013 435,000 Membrane Roof 4,790 5 $500- $1000 Deductible 1970 12 Stone Siding yes
1980 160,000 Asphalt Shingles Roof 1,800 3 $500- $1000 Deductible 140 2 Fiber-Cement Siding No
1980 265,000 Shingles Roof 2,640 4 $500- $1000 Deductible 290 3 Stone Siding yes
1995 385,000 Wood Shake Roof 3,960 5 $500 Deductible 1020 8 Stone Siding No
2012 350,000 Membrane Roof 4,240 5 $5000 to $10,000 Deductible 110 1 Brick siding yes
2005 230,000 Membrane Roof 2,460 4 $2500-$5000 Deductible 230 4 Wood siding yes
1992 130,000 Composition Roof 1,800 3 $500 Deductible 400 8 Brick siding No
1979 225,000 Wood Shake Roof 2,410 4 $5000 to $10,000 Deductible 640 12 Brick siding No