Prattville, AL Home Insurance - Analysis On Quotes, Rates & Agents
Prattville Insurance Rates:
Prattville, AL homeowners insurance is approximately $825 to $1,120, about $68-$93/month. Our exhaustive guide shows customers can save upto $389 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Find out the Cost of Homeowners Insurance in Prattville, AL
Prattville is home to around 42327 residents. It is also known as "The Fountain City" due to its artesian wells in the area. As per the research conducted by the CrimeGrade, the theft and burglary rate in Prattville, AL, is slightly higher than the average US city. Apart from that, Prattville is also prone to severe tornadoes, storms, earthquakes, and straight-line winds. Therefore, residents of Prattville should protect their investments by taking homeowners insurance to avoid colossal losses.
The average cost of homeowners insurance in Prattville, AL, is $1288. VHome's research has explored various factors that influence homeowners insurance cost in Prattville, AL. A few such factors are:
The age of the home
Materials used to construct the house
Coverage type
Deductible
Claim history
House value
Location of the house
Safety equipment installed in the home
Proximity to Water
Insurance Cost based on the Coverage Type
Here, coverage refers to the package offered by the insurance provider that covers the loss or damages of the house in any unanticipated events. Every home insurance policy has a liability limit which specifies the amount of coverage an individual has to cover the loss in unfortunate circumstances.
The average limit is $100,000, but the homeowner can also opt for a higher limit. The higher the amount, the higher the protection of the house covered.
Homeowners in Prattville, AL, paying a coverage of $100,000, can avail of home insurance for $861. Generally, homeowners opt for coverage of $400,000 to $500,000, where they have to pay a premium of $4175 and $5636, respectively.
Refer to the chart below to explore the various range of coverage offered for residents of Prattville.
In the meantime, residents of Prattville can also save money on home insurance by choosing a high deductible. A higher deductible allows the policyholder to save money on their insurance.
Insurance Cost based on the Deductible
A deductible is a chunk of coverage that the homeowner has to pay from his pocket. When the homeowner files a claim and meets their deductible, the insurance company pays the leftover balance up to their policy limit.
Deductible for home insurance in Prattville may range from $925 to 1273. Homeowners paying a high deductible of 2000 and 2500 can avail of home insurance for $984 and $925, respectively. In contrast, homeowners paying a low deductible of 500 and 1000 can avail of home insurance for $1273 and $1152, respectively.
Insurance Cost based on the Age of the Home
Home age plays a crucial role in deciding the home insurance cost. As homes age, so do the systems and materials used in your home. Therefore, old homes are more prone to property damage and structural problems. For instance, homes with 40 or 50 years in Prattville pay $1322 and $1337, respectively, whereas newly built homes pay $979.
Prattville, AL Homeowners Insurance By Home Value
| Prattville, AL Home Value | Total Homes | % of Total | Average Prattville, AL Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 1,189 | 10.0% | $165 |
| $60,000 to $69,999 | 281 | 2.0% | $428 |
| $70,000 to $79,999 | 246 | 2.0% | $496 |
| $80,000 to $89,999 | 494 | 4.0% | $554 |
| $90,000 to $99,999 | 617 | 5.0% | $622 |
| $100,000 to $124,999 | 1,371 | 12.0% | $720 |
| $125,000 to $149,999 | 1,689 | 15.0% | $904 |
| $150,000 to $174,999 | 1,119 | 10.0% | $1070 |
| $175,000 to $199,999 | 1,066 | 9.0% | $1235 |
| $200,000 to $249,999 | 1,300 | 11.0% | $1488 |
| $250,000 to $299,999 | 706 | 6.0% | $1819 |
| $300,000 to $399,999 | 963 | 8.0% | $2315 |
Top Home Insurance Agents Near Prattville, AL
| Home Insurance Company Near Prattville, AL | Homeowners Insurance Agency Near Prattville, AL | Address |
|---|---|---|
| NA | R R Smith Insurance Agency Llc | 291 Hilltop Cir , Deatsville, AL, 36022 |
| State Farm | Dale May Lutcf | 201 Greenville Bypass, Greenville, AL, 36037-3772 |
| State Farm | Jan Carpenter | 3025 Zelda Rd, Montgomery, AL, 36106-2651 |
| State Farm | Mitch Devers | 470 McQueen Smith Rd S, Prattville, AL, 36066-5631 |
| State Farm | Stefan Slade | 7742 Atlanta Hwy, Montgomery, AL, 36117-4241 |
Prattville, AL Home Insurance Agents for Top Companies
Cost Of Homeowners Insurance By Street Near Prattville, AL
| Streets in Prattville Area | Homeowners Insurance Cost |
|---|---|
| Peachtree St, E 3rd St, Wetumpka St, Autery Rd, Washington Ferry Rd, Japonica Rd, Wesson Dr, Carver St, Trolley Rd, Valridge W | $958 |
| Rice St, Live Oak, Hillwood Rd, Selma Hwy, Chimney Ridge, Doss Ct, Northington St, Lexington Ln, Festival Dr, Kingston Oaks Dr | $948 |
| Lake Haven Pl, Gin Shop Hill Rd, Station Dr, Co Rd 47, Pratt St, Fireside Loop, E 6th St, Winchester Ct, Sheila Blvd, Black Oak Ct | $991 |
| Deramus St, Prairieview Dr, Autauga County 87, Kenalay Ct, Doe Dr, Autauga County 104, Blythe Ln, Autauga County 85, Autauga County 27, Old Stage Coach Rd | $972 |
| Gail St, Echlin Blvd, Co Rd 51, J-M Ln, E Poplar St, Co Rd 85, Old Mill Way, Belle Maison, Co Rd 58, W Teri Ct | $972 |
Prattville, AL Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
|---|---|
| Prattville | $145 to $148 |
| Pine Level | $147 |
| Millbrook | $145 |
| Elmore | $144 |
Prattville, 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 |
|---|---|---|---|
| Pine Level CDP, Alabama | $123 | $163 | $245 |
| Millbrook city, Alabama | $121 | $161 | $242 |
| Autauga County, Alabama | $121 | $161 | $241 |
Prattville, AL Area Home Insurance as a % of Housing Cost
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Prattville, AL | 6.3% | 23.4% |
| Pine Level | 6.17% | 21.18% |
| Millbrook | 7.09% | 24.67% |
| Autauga County | 6.52% | 23.09% |
Prattville Renters Insurance as a Percentage of Rent
| Prattville Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $300 to $499 | 281 | 8.0% | $1251 |
| $500 to $749 | 800 | 23.0% | $1926 |
| $750 to $999 | 1,105 | 32.0% | $2676 |
| $1,000 to $1,499 | 788 | 23.0% | $3801 |
| $1,500 or more | 367 | 10.0% | $5451 |
Average Cost Of Home Insurance By Company In Areas Nearby Prattville For Different Scenarios
| Deductible | Coverage | Company | Premium ($) |
|---|---|---|---|
| $500 | $150,000 | Coastal American Insurance Company | 1343 |
| $500 | $150,000 | Country Casualty Insurance Company | 1162 |
| $500 | $150,000 | Fire Insurance Exchange | 1379 |
| $500 | $150,000 | State Farm Fire & Casualty Company | 1786 |
| $500 | $150,000 | Usaa Casualty Insurance Company | 1232 |
| $500 | $300,000 | Alfa Mutual General Insurance Co | 3986 |
| $500 | $300,000 | Esurance Insurance Company | 1600 |
| $500 | $300,000 | Guideone Specialty Mutual Insurance Co | 1950 |
| $500 | $300,000 | United Services Automobile Association | 1744 |
Prattville, AL Home Insurance Costs With Deductible Scenario
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,100 | $2,100 |
| Yearly Prattville Homeowner Insurance Premium Example | $600 | $400 |
| Out of Pocket Expense During Claim | $1,100 | $2,100 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $5,900 | $5,300 |
| Net Savings to Prattville Home Owner from High Deductible Plan | $600 | |
Prattville, AL Home Insurance Costs With Home Replacement Value Scenarios
| Scenario | Prattville, AL Home Replacement Value MORE than Home Value | Prattville, AL Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $167,000 | $116,500 |
| Insurance Premium based on Replacement Value | $975 | $675 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $13,000 | Risk Exposure from Under Insuring Coverage is $37,500 |
| Premium Impact | Insurance cheaper by $200/year | Insurance costlier by $100/year |
Example Prattville Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
| Insurance Company | State Farm | Liberty Mutual | Travelers |
| Monthly Premium | 52 | 91 | 78 |
| Year Built | 1980 | 2012 | 1997 |
| Home Details | 3 Beds, 1 Baths | 4 Beds, 3 Baths | 5 Beds, 2 Baths |
| Coverage Amount | $150000-$175000 | $200000-$250000 | $250000-$300000 |
| Deductible | $500- $1000 Deductible | $500- $1000 Deductible | > $10,000 Deductible |
Sample Home Insurance Rates for Prattville, AL from Consumer Reviews & Surveys
| Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
|---|---|---|---|---|---|---|---|---|---|
| 2011 | 135,000 | Membrane Roof | 1,350 | 3 | $1000-$2500 Deductible | 150 | 4 | Fiber-Cement Siding | yes |
| 2011 | 250,000 | Shingles Roof | 3,100 | 5 | $2500-$5000 Deductible | 150 | 2 | Vinyl siding | No |
| 2012 | 170,000 | Shingles Roof | 1,930 | 3 | $500 Deductible | 750 | 10 | Brick siding | yes |
| 1989 | 245,000 | Asphalt Shingles Roof | 3,360 | 4 | $1000-$2500 Deductible | 880 | 8 | Stone Siding | No |
| 2006 | 185,000 | Wood Shake Roof | 2,030 | 4 | $2500-$5000 Deductible | 290 | 5 | Stucco siding | yes |
| 2005 | 390,000 | Tile Roof | 3,800 | 5 | $2500-$5000 Deductible | 150 | 1 | Brick siding | yes |
| 1978 | 215,000 | Asphalt Shingles Roof | 2,760 | 4 | $5000 to $10,000 Deductible | 240 | 3 | Vinyl siding | No |
| 1998 | 240,000 | Tile Roof | 2,840 | 4 | $5000 to $10,000 Deductible | 340 | 5 | Vinyl siding | yes |
| 2007 | 235,000 | Slate Shingles Roof | 2,610 | 4 | $5000 to $10,000 Deductible | 90 | 2 | Stone Siding | yes |
| 2012 | 235,000 | Membrane Roof | 2,380 | 5 | $2500-$5000 Deductible | 750 | 9 | Stucco siding | yes |
| 2012 | 330,000 | Tile Roof | 3,210 | 5 | $1000-$2500 Deductible | 450 | 4 | Vinyl siding | No |
| 2002 | 315,000 | Composition Roof | 3,920 | 5 | $500 Deductible | 440 | 3 | Fiber-Cement Siding | yes |
| 1984 | 185,000 | Wood Shake Roof | 1,810 | 4 | $5000 to $10,000 Deductible | 320 | 6 | Brick siding | No |
| 2012 | 280,000 | Shingles Roof | 2,680 | 4 | $2500-$5000 Deductible | 800 | 10 | Fiber-Cement Siding | No |
| 1982 | 130,000 | Wood Shake Roof | 1,350 | 3 | $2500-$5000 Deductible | 120 | 4 | Stucco siding | yes |
| 2014 | 340,000 | Slate Shingles Roof | 4,130 | 5 | $500- $1000 Deductible | 900 | 7 | Wood siding | No |
| 1992 | 110,000 | Shingles Roof | 1,310 | 3 | $500 Deductible | 340 | 8 | Stone Siding | yes |
| 1974 | 165,000 | Metal Roof | 1,780 | 4 | $500 Deductible | 150 | 2 | Stucco siding | No |
| 1989 | 285,000 | Slate Shingles Roof | 2,970 | 4 | $500 Deductible | 320 | 3 | Vinyl siding | yes |
| 1999 | 115,000 | Metal Roof | 1,520 | 3 | $1000-$2500 Deductible | 140 | 3 | Brick siding | yes |
| 1992 | 175,000 | Metal Roof | 2,240 | 5 | $500- $1000 Deductible | 190 | 3 | Stucco siding | yes |
| 1974 | 260,000 | Composition Roof | 2,930 | 4 | $2500-$5000 Deductible | 1030 | 12 | Wood siding | No |
| 1990 | 135,000 | Wood Shake Roof | 1,550 | 3 | $500 Deductible | 410 | 6 | Fiber-Cement Siding | yes |
| 1986 | 230,000 | Shingles Roof | 2,250 | 5 | $2500-$5000 Deductible | 680 | 12 | Vinyl siding | No |
| 2006 | 275,000 | Wood Shake Roof | 2,920 | 5 | $500 Deductible | 200 | 2 | Vinyl siding | No |
| 1999 | 250,000 | Membrane Roof | 2,810 | 4 | $500- $1000 Deductible | 1290 | 10 | Stone Siding | yes |
| 1987 | 365,000 | Membrane Roof | 3,520 | 5 | $5000 to $10,000 Deductible | 140 | 2 | Stucco siding | No |
| 1990 | 185,000 | Shingles Roof | 2,100 | 5 | $5000 to $10,000 Deductible | 130 | 4 | Stucco siding | yes |
| 2011 | 155,000 | Composition Roof | 2,120 | 3 | $1000-$2500 Deductible | 160 | 3 | Vinyl siding | No |
| 2009 | 200,000 | Wood Shake Roof | 2,040 | 3 | $2500-$5000 Deductible | 230 | 4 | Vinyl siding | yes |
| 2014 | 275,000 | Slate Shingles Roof | 3,160 | 5 | $2500-$5000 Deductible | 740 | 12 | Fiber-Cement Siding | No |
| 2005 | 175,000 | Asphalt Shingles Roof | 1,850 | 5 | $500 Deductible | 400 | 6 | Stone Siding | No |
| 1989 | 150,000 | Wood Shake Roof | 1,870 | 4 | $5000 to $10,000 Deductible | 470 | 12 | Stone Siding | yes |
Latest Home Insurance Reviews
Farmer's InsuranceI would recommend Farmers for home insurance to other customers looking for this service. I feel valued as a customer and I don't feel that I am being overcharged or offered too little coverage.
American Modern InsuranceI like that they take my payment automatically from my debit card. this makes things easier and more practical for me .
AllstateI did extensive research to find the most efficient and effective plan. Allstate was significantly cheaper and came with greater assurance.
AllstateI feel that they do not want to ensure a whole home. they forced me to take a separate policy out for my roof and wind damage.
State Farmcustomer service workers that work in the insurance company business.
State FarmI have been with them a long time and that is about the only reason I stay with them. I have started to get other quotes from companies, but State Farm seems to be the most reasonable. Price is about the only thing that has kept me with them.
Horace Mann Educators CorporationThere isn't anything I can think of that makes me feel any dislike or lack of appreciation for our insurance company or our agent.
AllstateAll state customer service is not up to the mark when we compare with other insurance companies in USA,
ProgressiveThe price comparison to other companies is outrageous they have a huge down payment and the monthly payments are outrageous especially in comparison to other companies.