Theodore Insurance Rates:

Theodore, AL homeowners insurance is approximately $812 to $1,106, about $67-$92/month. Our exhaustive research reveals consumers can save as much as $383 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

All State
The agent was very nice, and he tried to sell us a policy. he answered any questions we had, and if he didn't know the answer, he tried to research it for us.
Usaa
Usaa home insurance does not like to pay out on legitimate home claims and will deny them all the time.
Statefarm
They have a good slogan, a strong advertising presence, and sponsorship of multiple sports events make allstate difficult to miss, and their market share is as strong as their image.

Theodore, AL Homeowners Insurance By Home Value

Theodore, AL Home Value Total Homes % of Total Average Theodore, AL Homeowners Insurance
Less than $50,000 855 14.0% $191
$50,000 to $59,999 104 1.0% $402
$60,000 to $69,999 201 3.0% $498
$70,000 to $79,999 243 4.0% $575
$80,000 to $89,999 535 9.0% $652
$90,000 to $99,999 380 6.0% $728
$100,000 to $124,999 859 14.0% $843
$125,000 to $149,999 946 16.0% $1054
$150,000 to $174,999 621 10.0% $1246
$175,000 to $199,999 340 5.0% $1438
$200,000 to $249,999 349 5.0% $1735
$250,000 to $299,999 217 3.0% $2119
$300,000 to $399,999 221 3.0% $2694

Top Home Insurance Agents Near Theodore, AL

Home Insurance Company Near Theodore, AL Homeowners Insurance Agency Near Theodore, AL Address
NA The Myrick Agency 860 Edwards Ave., Fairhope, AL, 36532
State Farm Bill Watford 5448 Zeigler Blvd, Mobile, AL, 36608-4336
Travelers Bishop Insurance Agency 14507 LEMOYNE BLVD, BILOXI, MS, 39532
Farmers Eugene Skip Moseley 3578 Oak Tree Dr, Semmes, AL, 36575
State Farm Jeff Kahn 1129 Sarald Blvd S Ste B, Saraland, AL, 36571-3612

Cost Of Homeowners Insurance By Street Near Theodore, AL

Streets in Theodore Area Homeowners Insurance Cost
Spanish Trail Ct, Desiree Ct S, Blue Gill Cir, Lake Tahoe Dr, Pioneer Trace Dr, Rester Rd, Mary Dr, Carolyn Way, Rayco Rd, Cole Dr E$987
Bob St, Byrnewood Rd, Oriental Ave, Claudia Ln, Windy Ln, Canal Dr, Mitchell St, Wigfield Ct, Marie Rd, Bel Air Dr$934
Country Club Blvd, Kanode Rd, Cross Bow Ln, Roswell Rd S, Leo St Exd, Ann St, Katherin Hankins Dr, Rangeline Rd, Riverwood Lndg, Henning Dr E$968
Royal Oaks Dr, Lake Ruth Dr, Aloyis Dr, Lake Rd N, Lundy Ln, Viking Way, Langston Ct, Cumberland Dr, Lawrence Steiner Rd, Governor Wallace Dr$954
Alexandria Leigh Cir, Anthony Dr W, Gipson Rd, Helton Rd, Holloway Dr N, Queen Odella Dr E, Joe Carl Rd W, Pineview Ave, Horse Shoe Ln, Knight Dr$949

Theodore, AL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Theodore$143 to $146
Belle Fontaine$138
Tillmans Corner$143
Point Clear$148

Theodore, 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
Belle Fontaine CDP, Alabama $116 $154 $231
Tillmans Corner CDP, Alabama $119 $159 $238
Point Clear CDP, Alabama $124 $165 $247

Theodore, 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
Theodore, AL6.8%22.5%
Belle Fontaine6.32%21.41%
Tillmans Corner6.82%24.09%
Point Clear5.45%17.98%

Theodore Renters Insurance as a Percentage of Rent

Theodore Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 200 7.0% $358
$200 to $299 124 4.0% $808
$300 to $499 174 6.0% $1258
$500 to $749 1,265 46.0% $1933
$750 to $999 606 22.0% $2683
$1,000 to $1,499 306 11.0% $3808
$1,500 or more 32 1.0% $5458

Theodore, AL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,000$4,000
Yearly Theodore Homeowner Insurance Premium Example $2,700$1,700
Out of Pocket Expense During Claim$1,000$4,000
Total Home Insurance Premium for 4 years + Out of Pocket Expense for Claim $11,800$10,800
Net Savings to Theodore Home Owner from High Deductible Plan $1,000

Theodore, AL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Theodore, AL Home Replacement Value MORE than Home Value Theodore, AL Home Replacement Value LESS than Home Value
Replacement Value $111,500 $72,500
Insurance Premium based on Replacement Value $525 $350
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $28,000 Risk Exposure from Under Insuring Coverage is $11,000
Premium Impact Insurance cheaper by $50/year Insurance costlier by $125/year

Example Theodore Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company TravelersNationwide InsuranceGEICO Insurance
Monthly Premium 3559176
Year Built 199920121970
Home Details 3 Beds, 2 Baths4 Beds, 1 Baths5 Beds, 3 Baths
Coverage Amount $125000-$150000$150000-$175000$400000-$500000
Deductible $5000 to $10,000 Deductible$2500-$5000 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1985 130,000 Composition Roof 1,600 3 $1000-$2500 Deductible 110 3 Brick siding yes
2013 305,000 Wood Shake Roof 4,680 5 $5000 to $10,000 Deductible 370 5 Stucco siding No
2008 130,000 Shingles Roof 1,500 5 $2500-$5000 Deductible 180 4 Stone Siding No
1992 180,000 Membrane Roof 2,020 5 $5000 to $10,000 Deductible 580 8 Vinyl siding No
1999 240,000 Asphalt Shingles Roof 3,040 4 $5000 to $10,000 Deductible 70 1 Stucco siding yes
1996 115,000 Shingles Roof 1,440 3 $1000-$2500 Deductible 350 10 Fiber-Cement Siding No
1980 140,000 Asphalt Shingles Roof 1,530 3 $2500-$5000 Deductible 130 3 Stone Siding yes
1978 180,000 Membrane Roof 1,860 4 $1000-$2500 Deductible 50 1 Stone Siding No
1994 260,000 Wood Shake Roof 2,920 4 $500 Deductible 640 8 Wood siding yes
2010 190,000 Tile Roof 2,960 4 $500- $1000 Deductible 550 7 Stone Siding yes
1997 425,000 Wood Shake Roof 4,940 5 $500- $1000 Deductible 1020 5 Vinyl siding yes
2002 145,000 Composition Roof 2,210 4 $2500-$5000 Deductible 450 9 Vinyl siding No
2004 135,000 Membrane Roof 1,770 5 $2500-$5000 Deductible 220 5 Stucco siding No