Smiths Station Insurance Rates:

Smiths Station, AL homeowners insurance is about $822 to $1,119, about $68-$93/month. Our exhaustive guide reveals consumers can save upto $388 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Latest Home Insurance Reviews

American Modern Insurance
It is easily accessible, which means you can pay online with easy enrollment steps and easy to understand. there is only for steps.
State Farm
I recommend this company because they are stable and have years of proven experience. I have moved to different states and they have been there for me.
State Farm
State farm has representatives that i can talk to locally that are very helpful and easy to get in touch with. i appreciate that the 1800 number for state farm is not annoying people that make me more frustrated about the situation but rather help me through it.
State Farm
Their rates keep on going up year after year even though we have never had even one claim. i think that is very unfair to do to your customers, especially when they have been loyal customers.
Allstate
Allstate has great customer service. I had to put a claim in once and the employee was very friendly towards me. I was happy with the customer service I received.
Metlife
They were really good about letting us know what the status of our claim with them was. They were very helpful. The only negative was wait times on the phone if you had to call them, otherwise, everything was great with their customer service.
State Farm
Overall I think my company deserves a 5 they have not disappointed me yet
Allstate
The rates that I was offered through this company were over 500 dollars in savings every year which is amazing to me.

Smiths Station, AL Homeowners Insurance By Home Value

Smiths Station, AL Home Value Total Homes % of Total Average Smiths Station, AL Homeowners Insurance
Less than $50,000 1,033 11.0% $165
$50,000 to $59,999 421 4.0% $349
$60,000 to $69,999 289 3.0% $436
$70,000 to $79,999 272 2.0% $504
$80,000 to $89,999 305 3.0% $572
$90,000 to $99,999 397 4.0% $640
$100,000 to $124,999 1,099 11.0% $737
$125,000 to $149,999 1,366 14.0% $932
$150,000 to $174,999 1,269 13.0% $1097
$175,000 to $199,999 725 7.0% $1262
$200,000 to $249,999 952 10.0% $1524
$250,000 to $299,999 439 4.0% $1864
$300,000 to $399,999 680 7.0% $2369

Top Home Insurance Agents Near Smiths Station, AL

Home Insurance Company Near Smiths Station, AL Homeowners Insurance Agency Near Smiths Station, AL Address
NA J. Smith Lanier & Co. - Opelika 707 Avenue A, Opelika, AL, 36801
Allstate John Carden 1003 Hogansville Rd Ste C, Lagrange, GA, 30241
Allstate Spears Insurance 747 Gardenview Dr, Pine Mountain, GA, 31822
Allstate Tony Dushane 2528 Weems Rd Ste 2D, Columbus, GA, 31909
Travelers Tri County Insurance 1434 OPELIKA RD STE C, AUBURN, AL, 36830

Smiths Station, AL Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Smiths Station, AL

Streets in Smiths Station Area Homeowners Insurance Cost
Co Rd 281, Co Rd 221, Co Rd 237, Co Rd 305, Co Rd 579, Co Rd 2080, Lee Road 530, Co Rd 230, Co Rd 938, Lincolnshire Ln$966
Co Rd 289, Lee Road 545, Lee Rd 979, Lee Road 854, Lake Oliver Rd, Lee Road 885, Lee Road 230, Lee Road 492, Villa Rd, Co Rd 576$986
Lee Road 528, Lee Road 479, Lee Road 427, Lee Road 229, Co Rd 536, Lee Road 337, Co Rd 550, Co Rd 249, Co Rd 647, Lee Road 475$966
Best Dr, Co Rd 293, Co Rd 520, Old Opelika Rd, Blakney Rd, Co Rd 242, Lee Road 289, Lee Road 879, Lee Road 969, Co Rd 2097$1,001
Co Rd 235, Co Rd 951, Co Rd 348, Lee Rd 2136, Co Rd 570, Lee Road 322, Co Rd 613, 16th Ct, Devonshire Dr, Lee Road 319$976

Smiths Station, AL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Smiths Station$145 to $148
Beulah$141
Crawford$142
Lee County$146

Smiths Station, 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
Beulah CCD, Lee County, Alabama $118 $157 $236
Ladonia CDP, Alabama $118 $157 $236
Crawford CCD, Russell County, Alabama $119 $158 $237

Smiths Station, 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
Smiths Station, AL6.8%24.1%
Beulah7.35%21.25%
Ladonia7.38%26.91%
Crawford7.51%23.26%

Smiths Station Renters Insurance as a Percentage of Rent

Smiths Station Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 54 2.0% $1252
$500 to $749 833 36.0% $1927
$750 to $999 645 28.0% $2677
$1,000 to $1,499 685 30.0% $3802
$1,500 or more 57 2.0% $5452

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

Deductible Coverage Company Premium ($)
$500 $150,000 Alfa Mutual General Insurance Co 1884
$500 $150,000 Armed Forces Insurance Exchange 744
$500 $150,000 Fire Insurance Exchange 1402
$500 $150,000 Guideone Mutual Insurance Company 1036
$500 $150,000 Usaa Casualty Insurance Company 1242
$500 $300,000 Amica Mutual Ins Company 3504
$500 $300,000 Esurance Insurance Company 1325
$500 $300,000 Fire Insurance Exchange 2730
$500 $300,000 Garrison Property And Casualty Insurance Company 1800

Smiths Station, AL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$600$2,600
Yearly Smiths Station Homeowner Insurance Premium Example $1,300$900
Out of Pocket Expense During Claim$600$2,600
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $9,700$8,900
Net Savings to Smiths Station Home Owner from High Deductible Plan $800

Smiths Station, AL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Smiths Station, AL Home Replacement Value MORE than Home Value Smiths Station, AL Home Replacement Value LESS than Home Value
Replacement Value $192,000 $138,000
Insurance Premium based on Replacement Value $1,150 $825
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $15,500 Risk Exposure from Under Insuring Coverage is $38,500
Premium Impact Insurance cheaper by $225/year Insurance costlier by $100/year

Example Smiths Station Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Nationwide InsuranceTravelersAmica Mutual Insurance Company
Monthly Premium 6165163
Year Built 199020111983
Home Details 3 Beds, 1 Baths4 Beds, 3 Baths5 Beds, 3 Baths
Coverage Amount $250000-$300000$250000-$300000$400000-$500000
Deductible > $10,000 Deductible> $10,000 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2005 275,000 Composition Roof 3,210 4 $2500-$5000 Deductible 480 5 Wood siding No
2011 385,000 Slate Shingles Roof 4,170 5 $500 Deductible 260 2 Stone Siding yes
1980 180,000 Composition Roof 2,520 5 $2500-$5000 Deductible 70 1 Brick siding No
1986 290,000 Shingles Roof 3,130 5 > $10,000 Deductible 50 1 Brick siding yes
2012 180,000 Membrane Roof 1,960 4 $1000-$2500 Deductible 470 8 Stone Siding yes
2004 190,000 Tile Roof 2,110 4 $5000 to $10,000 Deductible 180 5 Fiber-Cement Siding yes
2012 170,000 Asphalt Shingles Roof 1,700 5 $2500-$5000 Deductible 360 5 Wood siding yes
2011 290,000 Tile Roof 2,800 4 $500- $1000 Deductible 530 5 Stone Siding yes
2005 210,000 Shingles Roof 2,040 3 $1000-$2500 Deductible 800 12 Fiber-Cement Siding No
2005 480,000 Composition Roof 4,590 5 > $10,000 Deductible 780 9 Stone Siding yes
1987 475,000 Metal Roof 4,850 5 $5000 to $10,000 Deductible 1070 7 Stucco siding No
1996 165,000 Tile Roof 1,630 4 $2500-$5000 Deductible 350 7 Stucco siding No
1989 260,000 Shingles Roof 2,490 4 $2500-$5000 Deductible 150 2 Stone Siding No
2009 130,000 Asphalt Shingles Roof 1,260 3 $1000-$2500 Deductible 310 5 Wood siding No
2008 200,000 Metal Roof 1,940 4 $1000-$2500 Deductible 200 3 Vinyl siding yes
2010 100,000 Shingles Roof 1,280 3 $1000-$2500 Deductible 150 6 Fiber-Cement Siding No
2000 275,000 Shingles Roof 2,980 5 $500 Deductible 1460 9 Stucco siding yes
2011 320,000 Asphalt Shingles Roof 3,540 5 $5000 to $10,000 Deductible 520 6 Vinyl siding yes
2011 190,000 Wood Shake Roof 2,020 3 $500- $1000 Deductible 610 10 Brick siding No
1999 375,000 Asphalt Shingles Roof 3,810 5 $500- $1000 Deductible 1200 10 Vinyl siding yes
2014 130,000 Metal Roof 1,460 3 $500 Deductible 110 2 Wood siding yes
2012 300,000 Slate Shingles Roof 3,320 5 $500 Deductible 560 4 Brick siding No
1999 280,000 Shingles Roof 2,800 4 $1000-$2500 Deductible 830 9 Stone Siding yes
2008 315,000 Tile Roof 3,360 4 $1000-$2500 Deductible 720 9 Brick siding No
1990 225,000 Slate Shingles Roof 2,200 3 $2500-$5000 Deductible 370 5 Vinyl siding yes
2011 225,000 Composition Roof 2,330 5 $500 Deductible 860 10 Stucco siding No
1983 350,000 Composition Roof 3,300 4 $500 Deductible 2020 12 Stone Siding No
1997 285,000 Slate Shingles Roof 2,910 4 $500 Deductible 410 3 Stone Siding No
2005 410,000 Wood Shake Roof 4,680 5 $500 Deductible 2240 12 Wood siding No
2012 210,000 Metal Roof 2,120 3 $500 Deductible 640 6 Stucco siding yes
2014 175,000 Metal Roof 2,020 3 $5000 to $10,000 Deductible 230 6 Fiber-Cement Siding No
2013 140,000 Metal Roof 1,680 3 $500- $1000 Deductible 640 12 Vinyl siding yes
2000 330,000 Asphalt Shingles Roof 3,660 5 $5000 to $10,000 Deductible 110 1 Stucco siding No
2008 125,000 Metal Roof 1,440 3 $500 Deductible 520 10 Stone Siding No

How To Make Your Smiths Station, AL Home Insurance Cheaper

How Much Does Smiths Station, AL Home Insurance Cost?