Tuscumbia Insurance Rates:

Tuscumbia, AL homeowners insurance is approximately $794 to $1,079, about $66-$89/month. Our complete guide indicates shoppers can save as much as $374 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Tuscumbia, AL Homeowners Insurance By Home Value

Tuscumbia, AL Home Value Total Homes % of Total Average Tuscumbia, AL Homeowners Insurance
Less than $50,000 325 14.0% $262
$50,000 to $59,999 145 6.0% $552
$60,000 to $69,999 233 10.0% $693
$70,000 to $79,999 274 11.0% $796
$80,000 to $89,999 239 10.0% $899
$90,000 to $99,999 133 5.0% $1011
$100,000 to $124,999 221 9.0% $1171
$125,000 to $149,999 192 8.0% $1461
$150,000 to $174,999 213 9.0% $1733
$175,000 to $199,999 156 6.0% $1995
$200,000 to $249,999 78 3.0% $2408
$250,000 to $299,999 43 1.0% $2942
$300,000 to $399,999 36 1.0% $3738

Top Home Insurance Agents Near Tuscumbia, AL

Home Insurance Company Near Tuscumbia, AL Homeowners Insurance Agency Near Tuscumbia, AL Address
State Farm Chad Hughey 1511 Highway 31 SW Ste A, Hartselle, AL, 35640-2821
Allstate Justin James 2811 W Mall Dr, Florence, AL, 35630
Allstate Mike Campbell 617 E Hobbs St, Athens, AL, 35611
Travelers S S Nesbitt & Co Inc 1425 6TH AVE SE, DECATUR, AL, 35601
Travelers Your Insurance Centers Inc 2012 9TH AVE N, HALEYVILLE, AL, 35565

Cost Of Homeowners Insurance By Street Near Tuscumbia, AL

Streets in Tuscumbia Area Homeowners Insurance Cost
Park Ave, Coldwater Dr, Ave A, Elm Dr, Bald Knob Rd, Waterloo Rd, Commanche Ln, Keller Ln, Holland Dr, Co Rd 47$936
Co Rd 59, Hester Rd, Roy McGuire Dr, Cambridge, E Girard Ave, S Broad St, Fairlane Ave, Almon Ave, Helen Ct Five, Wagon Montain Rd$977
Alma St, W California Dr, Colburn Mtn Rd, Willow Oak Dr, N Baker St, Vista Cir, McIntosh St, T Ed Campbell Dr, S High St, W Sycamore Dr$980
E Tuscumbia Decatur Hwy, Davison Ave, Colburn Mill Rd, Durwood Dr, Decatur St, Slay Dr, John R St, Winston Sq, Quarry Rd, S Indian St$952
E 4th St, Bernice St, W Fayette St, Grand Haven Dr, Fayette St, Rutland Ln, Center St, Emily Dr, N Wilson Dam Rd, E McGuire Dr$981

Tuscumbia, AL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Tuscumbia$139 to $141
Sheffield$140
Tri-Cities$142
Muscle Shoals$144

Tuscumbia, 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
Sheffield city, Alabama $117 $155 $233
Tri-Cities CCD, Colbert County, Alabama $119 $158 $237
Muscle Shoals city, Alabama $120 $160 $240

Tuscumbia, 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
Tuscumbia, AL8.5%21.6%
Sheffield7.8%21.56%
Tri-Cities7.53%22.68%
Muscle Shoals7.01%23.44%

Tuscumbia Renters Insurance as a Percentage of Rent

Tuscumbia Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 146 12.0% $369
$200 to $299 183 15.0% $819
$300 to $499 249 20.0% $1269
$500 to $749 399 33.0% $1944
$750 to $999 160 13.0% $2694
$1,000 to $1,499 59 4.0% $3819
$1,500 or more 13 1.0% $5469

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

Deductible Coverage Company Premium ($)
$500 $150,000 Alfa Mutual Insurance Company 1934
$500 $150,000 American National General Ins Company 789
$500 $150,000 Country Mutual 1046
$500 $150,000 Nationwide Mutual Fire Ins Company 1100
$500 $150,000 Usaa General Indemnity Co 1395
$500 $300,000 Allstate Vehicle And Property Insurance Company 1285
$500 $300,000 Amica Mutual Ins Company 3195
$500 $300,000 Country Mutual 2023
$500 $300,000 Nationwide Mutual Fire Ins Company 1997

Tuscumbia, AL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$800$1,800
Yearly Tuscumbia Homeowner Insurance Premium Example $700$500
Out of Pocket Expense During Claim$800$1,800
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $6,400$5,800
Net Savings to Tuscumbia Home Owner from High Deductible Plan $600

Tuscumbia, AL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Tuscumbia, AL Home Replacement Value MORE than Home Value Tuscumbia, AL Home Replacement Value LESS than Home Value
Replacement Value $132,500 $77,500
Insurance Premium based on Replacement Value $700 $400
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $24,500 Risk Exposure from Under Insuring Coverage is $30,500
Premium Impact Insurance cheaper by $175/year Insurance costlier by $125/year

Example Tuscumbia Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company TravelersFarmers InsuranceNationwide Insurance
Monthly Premium 935385
Year Built 200119492010
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 3 Baths
Coverage Amount $175000-$200000$200000-$250000$250000-$300000
Deductible $500 Deductible$5000 to $10,000 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1989 90,000 Shingles Roof 1,600 3 $500- $1000 Deductible 30 1 Stone Siding yes
1949 145,000 Wood Shake Roof 2,780 4 $1000-$2500 Deductible 230 4 Wood siding yes
2011 270,000 Asphalt Shingles Roof 3,460 5 > $10,000 Deductible 590 10 Stucco siding yes
1963 165,000 Tile Roof 2,370 3 $1000-$2500 Deductible 400 10 Vinyl siding yes
1987 120,000 Asphalt Shingles Roof 1,850 3 $1000-$2500 Deductible 180 5 Fiber-Cement Siding No
2013 90,000 Wood Shake Roof 1,680 3 $2500-$5000 Deductible 280 12 Stucco siding No
2004 130,000 Composition Roof 2,250 4 $1000-$2500 Deductible 500 10 Stone Siding No
2002 115,000 Wood Shake Roof 1,810 5 $2500-$5000 Deductible 280 6 Stucco siding yes
1948 115,000 Tile Roof 1,950 4 $500 Deductible 380 7 Wood siding No
1945 165,000 Wood Shake Roof 2,170 3 $1000-$2500 Deductible 390 10 Stucco siding No
1997 75,000 Composition Roof 1,210 3 $500 Deductible 40 1 Stucco siding No
2008 290,000 Membrane Roof 4,380 5 $500 Deductible 280 3 Stone Siding No
2014 105,000 Shingles Roof 1,660 4 $500 Deductible 230 6 Vinyl siding yes