Valley Insurance Rates:

Valley, AL homeowners insurance is nearly $786 to $1,069, about $65-$89/month. Our exhaustive research shows customers can save as much as $371 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Valley, AL Homeowners Insurance By Home Value

Valley, AL Home Value Total Homes % of Total Average Valley, AL Homeowners Insurance
Less than $50,000 1,045 29.0% $306
$50,000 to $59,999 277 7.0% $658
$60,000 to $69,999 382 10.0% $816
$70,000 to $79,999 367 10.0% $937
$80,000 to $89,999 350 9.0% $1067
$90,000 to $99,999 182 5.0% $1187
$100,000 to $124,999 333 9.0% $1382
$125,000 to $149,999 125 3.0% $1726
$150,000 to $174,999 170 4.0% $2041
$175,000 to $199,999 123 3.0% $2357
$200,000 to $249,999 88 2.0% $2830
$250,000 to $299,999 103 2.0% $3461

Top Home Insurance Agents Near Valley, AL

Home Insurance Company Near Valley, AL Homeowners Insurance Agency Near Valley, AL Address
Travelers Georgia Farm Bureau Brokerage Inc 401 LAGRANGE ST, GREENVILLE, GA, 30222
State Farm Harold Cochran 2048 Cherokee Rd, Alex City, AL, 35010-3439
Travelers J Smith Lanier & Co Of Birmingham 200 BROOKSTONE CENTRE PKWY STE 118, COLUMBUS, GA, 31904
State Farm Janice Henderson 2310 Crawford Rd Ste 101, Phenix City, AL, 36867-3612
Travelers University Agency 611 E GLENN AVE #B, AUBURN, AL, 36830

Cost Of Homeowners Insurance By Street Near Valley, AL

Streets in Valley Area Homeowners Insurance Cost
Chambers County 502, Truitt St, Richmond St, S 18th St, 25th Pl, Co Rd 503, 30th St E, 45th St, Fairfax Byp, 2nd St$926
Greenberry Cir, Co Rd 189, Sedgefield Rd, 24th St, Magnolia Rd, Lafayette St, Chambers County 177, Combs Rd, Co Rd 521, Sydney St$931
S 22nd St, Wimberly Dr, 25th St SW, Birch St, Lee St, 35th St, Co Rd 512, Arch Ave, Jennings St, 30th Ave$927
Columbus Rd, 29th St, S 1st Ave, 54th St, Hopewell Rd, 16th Ave E, River Rd, Co Rd 388, E 2nd Ave, 18th Pl$931
Rehobeth Rd, 16th Ct SW, 52nd St, Ave A, Beech St, 54th Ave SW, 46th St, 22nd Ave SW, Calgary Cres, 31st St E$935

Valley, AL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Valley$138 to $141
Cusseta$139
Beulah$141
West Point$132

Valley, 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
Cusseta town, Alabama $140 $186 $279
Huguley CDP, Alabama $139 $185 $278
Lanett CCD, Chambers County, Alabama $140 $186 $279

Valley, 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
Valley, AL8.3%23.0%
Cusseta9.4%27.13%
Huguley8.92%26.37%
Lanett8.13%23.02%

Valley Renters Insurance as a Percentage of Rent

Valley Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 85 5.0% $373
$200 to $299 25 1.0% $823
$300 to $499 246 15.0% $1273
$500 to $749 576 37.0% $1948
$750 to $999 504 32.0% $2698
$1,000 to $1,499 116 7.0% $3823

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

Deductible Coverage Company Premium ($)
$500 $150,000 American National Property & Casualty Company 719
$500 $150,000 Auto Owners Ins Company 1446
$500 $150,000 Coastal American Insurance Company 1343
$500 $150,000 United Services Automobile Association 1130
$500 $300,000 American National Property & Casualty Company 1154
$500 $300,000 Country Casualty Insurance Company 2245
$500 $300,000 Esurance Insurance Company 1600
$500 $300,000 Mid Century Ins Co 2690
$500 $300,000 Safeco Insurance Company Of America 1939
$500 $300,000 Usaa General Indemnity Co 1814

Valley, AL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$600$1,600
Yearly Valley Homeowner Insurance Premium Example $800$600
Out of Pocket Expense During Claim$600$1,600
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $7,000$6,400
Net Savings to Valley Home Owner from High Deductible Plan $600

Valley, AL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Valley, AL Home Replacement Value MORE than Home Value Valley, AL Home Replacement Value LESS than Home Value
Replacement Value $97,000 $61,000
Insurance Premium based on Replacement Value $475 $300
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $16,500 Risk Exposure from Under Insuring Coverage is $19,500
Premium Impact Insurance cheaper by $100/year Insurance costlier by $75/year

Example Valley Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceState FarmChubb Group of Insurance
Monthly Premium 584665
Year Built 201219471991
Home Details 3 Beds, 2 Baths4 Beds, 2 Baths5 Beds, 1 Baths
Coverage Amount $125000-$150000$100000-$125000$150000-$175000
Deductible $500 Deductible$500 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2010 90,000 Tile Roof 1,510 3 $2500-$5000 Deductible 170 8 Stucco siding No
1983 140,000 Wood Shake Roof 2,180 3 $500- $1000 Deductible 380 9 Brick siding yes
1996 125,000 Membrane Roof 2,270 3 $500- $1000 Deductible 340 8 Fiber-Cement Siding yes
1993 115,000 Metal Roof 1,970 3 $500 Deductible 280 5 Stone Siding No
1954 130,000 Membrane Roof 1,900 4 $500 Deductible 660 9 Stone Siding No
1988 175,000 Metal Roof 3,370 4 $1000-$2500 Deductible 460 8 Stone Siding No
1946 90,000 Metal Roof 1,630 4 $2500-$5000 Deductible 120 5 Stone Siding yes
1989 85,000 Composition Roof 1,460 3 $500- $1000 Deductible 190 6 Brick siding No
2009 115,000 Asphalt Shingles Roof 2,130 3 $500 Deductible 50 1 Vinyl siding No
2014 205,000 Membrane Roof 3,990 5 $1000-$2500 Deductible 670 7 Stucco siding No
1966 250,000 Wood Shake Roof 4,480 5 $500 Deductible 190 2 Brick siding yes
1940 210,000 Composition Roof 3,990 5 $5000 to $10,000 Deductible 160 3 Brick siding No
1946 120,000 Metal Roof 1,810 4 $1000-$2500 Deductible 250 8 Stucco siding yes
2012 110,000 Shingles Roof 1,630 5 $500 Deductible 220 4 Stucco siding yes
1989 150,000 Metal Roof 3,070 4 $1000-$2500 Deductible 200 5 Vinyl siding No
2014 130,000 Slate Shingles Roof 1,990 3 $500 Deductible 410 6 Stucco siding No
2009 145,000 Composition Roof 2,380 4 $500 Deductible 330 6 Fiber-Cement Siding No
1951 270,000 Metal Roof 3,980 5 $500 Deductible 190 2 Wood siding No
1965 95,000 Slate Shingles Roof 1,450 3 $500 Deductible 40 1 Fiber-Cement Siding No
1984 235,000 Membrane Roof 3,630 5 $2500-$5000 Deductible 360 5 Vinyl siding No
1981 115,000 Composition Roof 1,940 3 $2500-$5000 Deductible 160 4 Stucco siding No
1983 205,000 Slate Shingles Roof 3,400 4 $500 Deductible 560 9 Brick siding yes
2003 270,000 Slate Shingles Roof 4,790 5 $1000-$2500 Deductible 80 1 Vinyl siding No
1945 85,000 Membrane Roof 1,650 3 $500 Deductible 280 7 Brick siding yes
1954 175,000 Tile Roof 2,470 4 $500- $1000 Deductible 240 4 Stucco siding No
1994 100,000 Wood Shake Roof 1,760 4 $500- $1000 Deductible 80 2 Fiber-Cement Siding yes
1960 100,000 Slate Shingles Roof 1,990 3 $500- $1000 Deductible 140 3 Fiber-Cement Siding yes
1994 165,000 Shingles Roof 2,750 4 $1000-$2500 Deductible 410 8 Vinyl siding yes
1990 160,000 Asphalt Shingles Roof 3,040 5 $1000-$2500 Deductible 570 10 Stucco siding yes
1940 65,000 Slate Shingles Roof 1,200 3 $500- $1000 Deductible 210 8 Stone Siding No
1997 105,000 Composition Roof 1,550 3 $500 Deductible 130 3 Stone Siding yes