Ragland Insurance Rates:

Ragland, AL homeowners insurance is roughly $797 to $1,102, about $66-$91/month. Our detailed analysis reveals consumers can save upto $380 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Ragland, AL Homeowners Insurance By Home Value

Ragland, AL Home Value Total Homes % of Total Average Ragland, AL Homeowners Insurance
Less than $50,000 288 16.0% $209
$50,000 to $59,999 60 3.0% $456
$60,000 to $69,999 75 4.0% $560
$70,000 to $79,999 190 10.0% $646
$80,000 to $89,999 114 6.0% $741
$90,000 to $99,999 92 5.0% $826
$100,000 to $124,999 180 10.0% $959
$125,000 to $149,999 127 7.0% $1197
$150,000 to $174,999 147 8.0% $1415
$200,000 to $249,999 146 8.0% $1966
$250,000 to $299,999 133 7.0% $2403
$300,000 to $399,999 165 9.0% $3049

Top Home Insurance Agents Near Ragland, AL

Home Insurance Company Near Ragland, AL Homeowners Insurance Agency Near Ragland, AL Address
Nationwide John Allan Lowe 101 Mildred St, Columbiana, AL, 35051-9331
State Farm Jp Dailey 1911 Martin St S Ste 5, Pell City, AL, 35128-2372
Nationwide Pat Donalson Clu Chfc 1729 S Lakeshore Dr, Birmingham, AL, 35216-1621
Liberty Mutual Independent Red Rock Insurance Group Llc 4009 Crosshaven Drive Birmingham, Al, Vestavia Hills, AL, 35243
State Farm Scott Pellowski 7420 Parkway Dr Ste 108, Leeds, AL, 35094-4818

Cost Of Homeowners Insurance By Street Near Ragland, AL

Streets in Ragland Area Homeowners Insurance Cost
Popular Ridge Rd, Refuge Rd, Family Trl, 22nd St, Waters Dr, Fredia St, Brooks Rd, Newport, Echols Dr, Charles Douglas Rd$945
Double Oak Ln, Barton Ln, 1st St, Hickory Rd, Highland Lake Dr, Choctaw Ln, 2nd St, Howell Cir, Church Cir, 5th Ave$955
Clear Creek Ln, Maple Dr, Springs Ln, Co Hwy 22, St Clair County 22, Valley Dr, Launch Dr, Waldrop Rd, Acton Blvd, Launch Rd$951
Armstrong Rd, Pike Hill Rd, Homebrew Knob, Hill Dr, Thomas Dr, Co Rd 26, Summerset Ln, Chest Ck Rd, Gardner Rd, Turkey Ridge Rd$948
Kikers Camp Pl, McClendon Dr, Pulaski Cir, Greene Branch Rd, Myrtle Ln, Morning Star Rd, Jackson Ln, Grand Babies Pl, Center Star Rd, Alpha Ranch Dr$953

Ragland, AL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Ragland$140 to $144
St. Clair County$144
Riverside$147
Ashville$139

Ragland, 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
St. Clair County, Alabama $144 $192 $288
Riverside town, Alabama $147 $196 $294
Ashville CCD, St. Clair County, Alabama $139 $185 $278

Ragland, 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
Ragland, AL7.5%23.7%
St. Clair County6.91%22.57%
Riverside6.41%20.29%
Ashville8.12%22.75%

Ragland Renters Insurance as a Percentage of Rent

Ragland Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 6 2.0% $363
$200 to $299 29 10.0% $813
$300 to $499 69 24.0% $1263
$500 to $749 61 21.0% $1938
$750 to $999 91 32.0% $2688
$1,000 to $1,499 23 8.0% $3813

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

Deductible Coverage Company Premium ($)
$500 $150,000 Coastal American Insurance Company 1272
$500 $150,000 Travelers Home And Marine Insurance Company 828
$500 $300,000 Allstate Vehicle And Property Insurance Company 1631
$500 $300,000 Amica Mutual Ins Company 3504
$500 $300,000 Garrison Property And Casualty Insurance Company 1986
$500 $300,000 Guideone Specialty Mutual Insurance Co 1714
$500 $300,000 Nationwide General Ins Co 1480
$500 $300,000 United Services Automobile Association 1930
$500 $300,000 Usaa General Indemnity Co 2007

Ragland, AL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$800$1,800
Yearly Ragland Homeowner Insurance Premium Example $800$600
Out of Pocket Expense During Claim$800$1,800
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $7,200$6,600
Net Savings to Ragland Home Owner from High Deductible Plan $600

Ragland, AL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Ragland, AL Home Replacement Value MORE than Home Value Ragland, AL Home Replacement Value LESS than Home Value
Replacement Value $124,500 $98,000
Insurance Premium based on Replacement Value $650 $500
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $11,000 Risk Exposure from Under Insuring Coverage is $15,500
Premium Impact Insurance cheaper by $75/year Insurance costlier by $75/year

Example Ragland Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyState FarmChubb Group of Insurance
Monthly Premium 5410177
Year Built 201020021968
Home Details 3 Beds, 1 Baths4 Beds, 3 Baths5 Beds, 4 Baths
Coverage Amount $150000-$175000$200000-$250000$175000-$200000
Deductible $500- $1000 Deductible$500- $1000 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1996 130,000 Shingles Roof 1,580 3 $500- $1000 Deductible 320 8 Fiber-Cement Siding yes
1964 255,000 Shingles Roof 3,350 5 $1000-$2500 Deductible 90 1 Brick siding No
1963 290,000 Shingles Roof 3,850 5 $500- $1000 Deductible 570 7 Stone Siding No
1996 110,000 Composition Roof 1,630 4 $500- $1000 Deductible 110 4 Wood siding No
2014 120,000 Wood Shake Roof 1,680 3 $2500-$5000 Deductible 530 12 Wood siding No
1965 195,000 Slate Shingles Roof 2,980 4 $1000-$2500 Deductible 630 9 Stucco siding No
2004 130,000 Asphalt Shingles Roof 1,620 3 $500 Deductible 120 3 Fiber-Cement Siding No
2011 125,000 Tile Roof 1,690 3 $1000-$2500 Deductible 500 12 Stone Siding yes
2010 395,000 Tile Roof 4,530 5 > $10,000 Deductible 380 6 Wood siding yes
1968 265,000 Wood Shake Roof 3,500 5 > $10,000 Deductible 520 8 Brick siding yes
2011 155,000 Asphalt Shingles Roof 1,910 5 $2500-$5000 Deductible 390 8 Stucco siding yes
1992 105,000 Tile Roof 1,430 3 $2500-$5000 Deductible 170 4 Fiber-Cement Siding yes
2001 305,000 Asphalt Shingles Roof 3,710 5 $2500-$5000 Deductible 1020 10 Wood siding No
1995 310,000 Asphalt Shingles Roof 4,430 5 $1000-$2500 Deductible 870 8 Stone Siding No
1996 205,000 Tile Roof 2,330 3 > $10,000 Deductible 150 3 Vinyl siding yes
2001 170,000 Membrane Roof 2,120 3 $1000-$2500 Deductible 270 5 Stone Siding No
2010 115,000 Metal Roof 1,410 3 $500- $1000 Deductible 200 7 Wood siding yes
1962 165,000 Slate Shingles Roof 2,770 4 $5000 to $10,000 Deductible 570 9 Stone Siding yes
2013 235,000 Metal Roof 3,990 5 $500 Deductible 570 7 Stucco siding yes
1999 260,000 Asphalt Shingles Roof 3,400 4 > $10,000 Deductible 180 3 Wood siding yes
1991 115,000 Metal Roof 1,740 5 $1000-$2500 Deductible 290 5 Vinyl siding No
1988 310,000 Composition Roof 4,300 5 $500- $1000 Deductible 740 6 Wood siding No
2011 260,000 Membrane Roof 3,360 4 $500- $1000 Deductible 990 8 Stone Siding yes
2010 225,000 Asphalt Shingles Roof 2,700 5 $500- $1000 Deductible 800 9 Stucco siding yes
2012 265,000 Wood Shake Roof 4,350 5 $500 Deductible 1030 10 Fiber-Cement Siding yes
1966 110,000 Composition Roof 1,840 3 $500- $1000 Deductible 360 8 Fiber-Cement Siding yes
1982 175,000 Wood Shake Roof 2,010 5 $1000-$2500 Deductible 150 4 Wood siding yes
2003 190,000 Membrane Roof 2,150 4 $5000 to $10,000 Deductible 340 8 Vinyl siding No