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.

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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.

Find_out_the_Cost_of_Homeowners_Insurance_in_Prattville_AL

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

PlaceSavings 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

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Prattville, AL6.3%23.4%
Pine Level6.17%21.18%
Millbrook7.09%24.67%
Autauga County6.52%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 DeductibleHigh 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 FarmLiberty MutualTravelers
Monthly Premium 529178
Year Built 198020121997
Home Details 3 Beds, 1 Baths4 Beds, 3 Baths5 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 Insurance
I 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 Insurance
I like that they take my payment automatically from my debit card. this makes things easier and more practical for me .
Allstate
I did extensive research to find the most efficient and effective plan. Allstate was significantly cheaper and came with greater assurance.
Allstate
I 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 Farm
customer service workers that work in the insurance company business.
State Farm
I 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 Corporation
There isn't anything I can think of that makes me feel any dislike or lack of appreciation for our insurance company or our agent.
Allstate
All state customer service is not up to the mark when we compare with other insurance companies in USA,
Progressive
The 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.

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