Troy Insurance Rates:

Troy, AL homeowners insurance is roughly $827 to $1,128, about $68-$94/month. Our detailed guide reveals consumers can save as much as $391 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
The people at my insurance agent's office are all ways very helpful. i get an answer to every question within 24 hours, usually the same day.
State Farm
Since this is my first home i am very new to everything related to it. when i went from the insurance through the mortgage company to state farm they handled everything for me. including contacting and faxing all the paperwork to the mortgage company.
Gulfstream Property And Casualty Insurance Company
I do not like how they threaten to drop me every year if i do not have my roof replaced or get the trees trimmed outside that may touch the roof.
Nationwide
They give me a piece of mind for the best rate I could find. I would not be comfortable lowering my coverage amount, and they seem to have the best price around for what they offer. They do not annoy me, and just leave me alone for the most part. At the same time, a discount for years without a claim would be appreciated as I do feel like they just take my money and I get nothing in return, but that is the insurance racket as a whole. They are an average company who has not done anything to lose my business, but I would jump to a competitor if I got a better deal out of it.
Farmer's Insurance
I like that the company covers everyone regardless of where you live. I also like that they are not in constant contact with you or try to get you to buy more things that you want.
State Farm
The communication with State Farm is great. They email me when I need documents and call me etc.
American Modern Insurance
My insurance company was willing to extend coverage to us when AAA, Amica, Safeco, State Farm, Allstate, and Progressive refused to. I am extremely grateful for that.
Allstate
Our agent was the main factor in choosing Allstate, for us. She's extremely knowledgeable and available to answer all of our questions. It's a better value than American Family, which is what we had before.

Troy, AL Homeowners Insurance By Home Value

Troy, AL Home Value Total Homes % of Total Average Troy, AL Homeowners Insurance
Less than $50,000 747 21.0% $156
$50,000 to $59,999 76 2.0% $332
$60,000 to $69,999 96 2.0% $410
$70,000 to $79,999 73 2.0% $469
$80,000 to $89,999 77 2.0% $537
$90,000 to $99,999 75 2.0% $596
$100,000 to $124,999 272 7.0% $694
$125,000 to $149,999 277 8.0% $870
$150,000 to $174,999 543 15.0% $1026
$175,000 to $199,999 428 12.0% $1183
$200,000 to $249,999 351 10.0% $1427
$250,000 to $299,999 215 6.0% $1740
$300,000 to $399,999 223 6.0% $2210

Top Home Insurance Agents Near Troy, AL

Home Insurance Company Near Troy, AL Homeowners Insurance Agency Near Troy, AL Address
Allstate Henry Moreman 9190 Boyd Cooper Pkwy, Montgomery, AL, 36117
Allstate Insurance Solutions PO Box 1329, Troy, AL, 36081
Allstate Mike Dunning 2135 Denton Rd Ste 1, Dothan, AL, 36303
Liberty Mutual Independent Premiere Agency Network Llc 1712 TALIAFERRO TRL, MONTGOMERY, AL, 36117
Travelers The Mitchell Agency Llc 4183 Carmichael Rd Ste A, Montgomery, AL, 36106

Cost Of Homeowners Insurance By Street Near Troy, AL

Streets in Troy Area Homeowners Insurance Cost
Co Hwy 26, Blindjack Rd, A St, E Madison St, N Franklin Dr, Grimes St, Co Rd 7749, Martha George Hall Dr, Richmond Ave, E College St$970
Co Rd 5511, Paran Church Rd, Co Rd 5502, Sandy Ln, Azalea Ct, Wildridge Dr, Norfolk Ave, Richard St, Co Rd 410, Cedar Dr$972
Co Rd 39, Cherry St, Turnipseed Ave, E Gamble St, Jones St, Co Hwy 1, Camellia St, Normal Ave, Luther Dr, E Fairview Ave$983
Josh St, Dogwood Dr, Grace Rd, Oak Rd, Henderson Dr, Stringer St, W Hodges St, Motes St, Blackman St, Sycamore Dr$972
Daisy Ct, Yeardly St, Co Rd 3349, N Three Notch St, Linda Ln, Charold Ct, Wright Rd, Yeardley St, Youngblood St, Carver Dr$965

Troy, AL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Troy$145 to $147
Pike County$141
Banks$137
Henderson-Spring Hill$139

Troy, 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
Pike County, Alabama $118 $157 $236
Banks town, Alabama $114 $152 $228
Henderson-Spring Hill CCD, Pike County, Alabama $116 $155 $232

Troy, 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
Troy, AL6.8%25.2%
Pike County7.54%24.46%
Banks10.03%21.79%
Henderson-Spring Hill8.99%26.07%

Troy Renters Insurance as a Percentage of Rent

Troy Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 118 3.0% $349
$200 to $299 336 8.0% $799
$300 to $499 849 21.0% $1249
$500 to $749 1,288 33.0% $1924
$750 to $999 782 20.0% $2674
$1,000 to $1,499 429 11.0% $3799
$1,500 or more 81 2.0% $5449

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

Deductible Coverage Company Premium ($)
$500 $150,000 Alfa Mutual Insurance Company 1273
$500 $150,000 Guideone Mutual Insurance Company 1142
$500 $150,000 Safeco Insurance Company Of America 931
$500 $150,000 State Farm Fire & Casualty Company 1903
$500 $300,000 Alfa Mutual General Insurance Co 3980
$500 $300,000 Allstate Vehicle And Property Insurance Company 1631
$500 $300,000 Auto Owners Ins Company 2624
$500 $300,000 Esurance Insurance Company 1477
$500 $300,000 Usaa General Indemnity Co 2007

Troy, AL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$600$2,600
Yearly Troy Homeowner Insurance Premium Example $1,300$900
Out of Pocket Expense During Claim$600$2,600
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $11,000$9,800
Net Savings to Troy Home Owner from High Deductible Plan $1,200

Troy, AL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Troy, AL Home Replacement Value MORE than Home Value Troy, AL Home Replacement Value LESS than Home Value
Replacement Value $175,000 $116,000
Insurance Premium based on Replacement Value $700 $475
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $24,000 Risk Exposure from Under Insuring Coverage is $35,000
Premium Impact Insurance cheaper by $150/year Insurance costlier by $75/year

Example Troy Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateAmica Mutual Insurance CompanyFarmers Insurance
Monthly Premium 699558
Year Built 201219861977
Home Details 3 Beds, 2 Baths4 Beds, 2 Baths5 Beds, 2 Baths
Coverage Amount $200000-$250000$250000-$300000$150000-$175000
Deductible $1000-$2500 Deductible$1000-$2500 Deductible$2500-$5000 Deductible

Sample Home Insurance Rates for Troy, 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 125,000 Slate Shingles Roof 1,360 3 $2500-$5000 Deductible 260 6 Brick siding No
1991 245,000 Shingles Roof 2,360 4 $2500-$5000 Deductible 140 2 Fiber-Cement Siding yes
2013 320,000 Wood Shake Roof 3,760 5 $2500-$5000 Deductible 80 1 Wood siding No
2012 160,000 Asphalt Shingles Roof 1,440 3 $5000 to $10,000 Deductible 50 1 Wood siding No
2011 265,000 Membrane Roof 3,390 4 $1000-$2500 Deductible 620 7 Brick siding No
1986 215,000 Slate Shingles Roof 2,140 3 > $10,000 Deductible 280 7 Stone Siding No
1971 135,000 Wood Shake Roof 1,660 3 $500 Deductible 130 2 Fiber-Cement Siding yes
2003 510,000 Wood Shake Roof 4,590 5 $1000-$2500 Deductible 1580 9 Vinyl siding yes
2005 195,000 Slate Shingles Roof 1,940 3 $500 Deductible 430 8 Fiber-Cement Siding No
1988 165,000 Slate Shingles Roof 1,800 4 $500- $1000 Deductible 280 4 Vinyl siding No
2002 315,000 Asphalt Shingles Roof 3,310 4 $5000 to $10,000 Deductible 460 8 Stone Siding yes
1975 185,000 Membrane Roof 2,090 3 $5000 to $10,000 Deductible 300 6 Stone Siding yes
1986 185,000 Tile Roof 1,750 3 $5000 to $10,000 Deductible 140 3 Stone Siding yes
2010 145,000 Membrane Roof 1,300 3 $500- $1000 Deductible 250 5 Stucco siding yes
1998 245,000 Wood Shake Roof 2,650 5 $5000 to $10,000 Deductible 700 12 Vinyl siding No
1993 190,000 Shingles Roof 2,350 5 $500- $1000 Deductible 700 10 Wood siding yes
1997 145,000 Tile Roof 1,560 3 $500- $1000 Deductible 90 2 Brick siding yes
1994 230,000 Metal Roof 2,140 5 $5000 to $10,000 Deductible 1070 12 Brick siding yes
1995 115,000 Wood Shake Roof 1,400 3 $500 Deductible 410 9 Fiber-Cement Siding yes
1981 250,000 Membrane Roof 2,930 4 $5000 to $10,000 Deductible 600 9 Brick siding yes
1990 210,000 Asphalt Shingles Roof 1,940 3 $5000 to $10,000 Deductible 640 9 Fiber-Cement Siding No
1999 235,000 Tile Roof 2,690 4 $500 Deductible 1110 9 Vinyl siding yes