Oxford Insurance Rates:

Oxford, AL homeowners insurance is about $811 to $1,102, about $67-$91/month. Our in depth guide indicates shoppers can save upto $382 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Farmer's Insurance
Although insurance is not my area of expertise, i feel that my premiums are too high. it seems that every year i have a seven to ten percent increase in my premiums even though i they have never paid on a claim on my house.
Progressive
Honestly, I have never compared any other company; I've had the same one since I bought the house in '99
Geico
I really don't like their website at all. It's very primitive and offers very little information on it. It's the bare bones minimum.
Allstate
I like that it's easy to navigate and see when my payments are due and how they are covering me. I have never had to use it, but it seems like it would be easy to submit a claim.
American Modern Insurance
I like that they take my payment automatically from my debit card. this makes things easier and more practical for me .

Oxford, AL Homeowners Insurance By Home Value

Oxford, AL Home Value Total Homes % of Total Average Oxford, AL Homeowners Insurance
Less than $50,000 779 14.0% $191
$50,000 to $59,999 121 2.0% $411
$60,000 to $69,999 268 5.0% $516
$70,000 to $79,999 194 3.0% $592
$80,000 to $89,999 390 7.0% $669
$90,000 to $99,999 257 4.0% $745
$100,000 to $124,999 892 16.0% $869
$125,000 to $149,999 560 10.0% $1089
$150,000 to $174,999 642 12.0% $1290
$175,000 to $199,999 321 6.0% $1481
$200,000 to $249,999 297 5.0% $1787
$250,000 to $299,999 288 5.0% $2189
$300,000 to $399,999 257 4.0% $2772

Top Home Insurance Agents Near Oxford, AL

Home Insurance Company Near Oxford, AL Homeowners Insurance Agency Near Oxford, AL Address
NA Yates Insurance Services, Llc 1780 Pkwy. , Franklin, GA, 30217
Allstate Chad Lincoln 1027 S Quintard Ave, Anniston, AL, 36201
Farmers Hans King 1317 Wilmer Ave Ste 104, Anniston, AL, 36201
State Farm Janet Jones 222 Broadway Avenue North, Sylacauga, AL, 35150-2526
Farmers Laraine Anglin 3355 Highway 431 Ste 12, Roanoke, AL, 36274

Cost Of Homeowners Insurance By Street Near Oxford, AL

Streets in Oxford Area Homeowners Insurance Cost
Henderson Lake Rd, Melrae Ln, Dry Valley Rd, Mitchell Matson, Church Ln, Hickory St, Libby Dr, Huntcliff Dr, Settlement Ln, Bobwhite Dr$933
Ellis Ln, Racer's Rdrracers Ln, 1st Ave S, Truss Ferry Rd, Powell Ln, Co Rd 473, Mountainview Cir, Co Rd 402, Maddox Cir, Chris Leigh Ln$918
Miller Ln, Ragland St, Kingview Dr, Church Ln, Davie Rd, Jacob Ln, Oakridge Ln, Reiner Ln, Annie Dr, Turner Ln$1,007
Terri Ln, US Hwy 78, Family Ln, Woodrow St, Beck Rd, Old School House Rd, Al Highway 77, County Line Rd W, Racers Ln, Kathryn Dr$946
Rosebud Ln, Kirby Rd, McKenzie Cir, Journeys End, Coley Ln, Valley Rd, Patterson Dr, McElderry Cir, 1st Ave N, Salt Creek Rd$920

Oxford, AL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Oxford$142 to $144
Hobson City$138
West End-Cobb Town$137
Munford$143

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

Oxford, 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
Oxford, AL7.1%24.7%
Hobson City8.66%26.28%
West End-Cobb Town9.57%27.45%
Munford7.96%24.07%

Oxford Renters Insurance as a Percentage of Rent

Oxford Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 31 1.0% $359
$200 to $299 69 3.0% $809
$300 to $499 333 17.0% $1259
$500 to $749 597 30.0% $1934
$750 to $999 405 20.0% $2684
$1,000 to $1,499 475 24.0% $3809
$1,500 or more 46 2.0% $5459

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

Deductible Coverage Company Premium ($)
$500 $150,000 Coastal American Insurance Company 1079
$500 $150,000 Guideone Mutual Insurance Company 1008
$500 $150,000 Guideone Specialty Mutual Insurance Co 1008
$500 $150,000 Nationwide General Ins Co 801
$500 $150,000 United Services Automobile Association 1001
$500 $150,000 Usaa General Indemnity Co 1024
$500 $300,000 Alfa Mutual General Insurance Co 3685
$500 $300,000 Esurance Insurance Company 1160
$500 $300,000 Travelers Home And Marine Insurance Company 1074
$500 $300,000 Usaa Casualty Insurance Company 1662

Oxford, AL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$700$1,700
Yearly Oxford Homeowner Insurance Premium Example $600$400
Out of Pocket Expense During Claim$700$1,700
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $5,500$4,900
Net Savings to Oxford Home Owner from High Deductible Plan $600

Oxford, AL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Oxford, AL Home Replacement Value MORE than Home Value Oxford, AL Home Replacement Value LESS than Home Value
Replacement Value $114,500 $76,500
Insurance Premium based on Replacement Value $550 $375
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $16,500 Risk Exposure from Under Insuring Coverage is $21,500
Premium Impact Insurance cheaper by $100/year Insurance costlier by $75/year

Example Oxford Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateState FarmChubb Group of Insurance
Monthly Premium 475471
Year Built 200519731988
Home Details 3 Beds, 2 Baths4 Beds, 1 Baths5 Beds, 4 Baths
Coverage Amount $125000-$150000$200000-$250000$200000-$250000
Deductible $2500-$5000 Deductible$2500-$5000 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1998 210,000 Membrane Roof 2,560 5 $500- $1000 Deductible 220 3 Stucco siding No
1962 140,000 Shingles Roof 1,470 3 $500 Deductible 120 2 Stucco siding yes
2012 205,000 Metal Roof 3,110 4 $500- $1000 Deductible 750 9 Stucco siding yes
1975 150,000 Metal Roof 2,160 3 $500- $1000 Deductible 240 4 Vinyl siding No
1993 195,000 Tile Roof 2,360 3 $1000-$2500 Deductible 150 2 Stone Siding No
1980 220,000 Composition Roof 2,500 4 $2500-$5000 Deductible 700 8 Fiber-Cement Siding No
1988 150,000 Slate Shingles Roof 2,330 3 $2500-$5000 Deductible 130 3 Vinyl siding No
2011 240,000 Membrane Roof 2,910 4 $5000 to $10,000 Deductible 620 9 Vinyl siding yes
1969 160,000 Metal Roof 2,530 4 $500- $1000 Deductible 460 10 Stucco siding yes
1977 140,000 Metal Roof 2,110 5 $2500-$5000 Deductible 430 8 Brick siding No
1971 225,000 Asphalt Shingles Roof 2,590 4 $500- $1000 Deductible 110 1 Fiber-Cement Siding yes
1992 175,000 Asphalt Shingles Roof 2,670 4 $500 Deductible 540 10 Stone Siding No
1968 340,000 Wood Shake Roof 4,010 5 $2500-$5000 Deductible 90 1 Wood siding No
1960 220,000 Metal Roof 2,920 4 $500 Deductible 350 3 Fiber-Cement Siding No
1978 220,000 Slate Shingles Roof 2,920 4 $500- $1000 Deductible 690 8 Stone Siding No
2001 255,000 Tile Roof 2,950 5 $500 Deductible 320 3 Brick siding yes
2011 195,000 Asphalt Shingles Roof 2,140 4 $5000 to $10,000 Deductible 240 5 Fiber-Cement Siding yes
1985 130,000 Wood Shake Roof 1,680 5 $500- $1000 Deductible 300 7 Fiber-Cement Siding No
1986 130,000 Membrane Roof 2,020 3 $500- $1000 Deductible 430 10 Wood siding yes
1962 175,000 Asphalt Shingles Roof 2,670 4 $5000 to $10,000 Deductible 320 9 Stone Siding No
1973 250,000 Slate Shingles Roof 3,910 5 $2500-$5000 Deductible 480 7 Fiber-Cement Siding No
2005 255,000 Wood Shake Roof 3,950 5 $2500-$5000 Deductible 70 1 Brick siding No
2008 220,000 Metal Roof 2,440 5 $5000 to $10,000 Deductible 730 9 Fiber-Cement Siding yes
2000 120,000 Asphalt Shingles Roof 1,550 5 $2500-$5000 Deductible 210 5 Vinyl siding No
1963 125,000 Wood Shake Roof 1,640 3 $500- $1000 Deductible 220 6 Stone Siding yes
2014 170,000 Slate Shingles Roof 1,910 3 $5000 to $10,000 Deductible 310 9 Stucco siding No
1978 175,000 Membrane Roof 2,100 3 $500- $1000 Deductible 220 4 Brick siding yes
2004 185,000 Shingles Roof 2,310 3 $500 Deductible 910 10 Wood siding yes
2013 115,000 Asphalt Shingles Roof 1,750 5 $2500-$5000 Deductible 190 6 Brick siding No
1986 235,000 Composition Roof 2,910 4 $500 Deductible 200 2 Vinyl siding No
2012 105,000 Membrane Roof 1,250 3 $500- $1000 Deductible 80 2 Stone Siding No
1987 195,000 Membrane Roof 2,710 4 $2500-$5000 Deductible 130 3 Vinyl siding No
2008 350,000 Shingles Roof 4,770 5 $500 Deductible 1090 6 Fiber-Cement Siding yes
2000 260,000 Metal Roof 2,900 5 $5000 to $10,000 Deductible 520 7 Vinyl siding No