How Can I Make My Montgomery, AL Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Montgomery, AL covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
Compare Quotes from Top Providers and Save now!
Select the Suitable Coverage Value for your Montgomery, AL Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $41,500 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $90,000 | $90,000 | $100,000-$125,000 |
| 3 Bedroom | $105,000 | $100,000 | $75,000-$100,000 |
| 4 Bedroom | $149,000 | $140,000 | $100,000-$125,000 |
| 5 Bedroom | $298,500 | $260,000 | $250,000-$300,000 |
Estimate your Savings with Home Insurance Discounts in Montgomery, AL | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$193 | $823 |
| Superior Protection Discount | -$102 | $915 |
| Fire & Security Discount | -$91 | $925 |
| Hail Resistant Roof Discount | -$20 | $996 |
| Newly Constructed Home Discount | -$224 | $793 |
Choose the Right Deductible for your Montgomery, AL Home | Back to Top
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Montgomery County | $2,500 | $1,035 | $3,535 | $752 | $3,252 | $283 |
| Montgomery, AL | $1,000 | $1,004 | $2,004 | $730 | $1,730 | $274 |
| Redland, AL | $400 | $1,538 | $1,938 | $1,118 | $1,518 | $420 |
| Eclectic, AL | $700 | $889 | $1,589 | $646 | $1,346 | $243 |
| Autaugaville, AL | $500 | $893 | $1,393 | $649 | $1,149 | $244 |
| Fort Deposit, AL | $700 | $699 | $1,399 | $508 | $1,208 | $191 |
| Verbena, AL | $400 | $722 | $1,122 | $525 | $925 | $197 |
| Union Springs, AL | $2,500 | $692 | $3,192 | $503 | $3,003 | $189 |
| Forest Home, AL | $500 | $896 | $1,396 | $651 | $1,151 | $245 |
| Banks-Josie, AL | $2,500 | $958 | $3,458 | $696 | $3,196 | $262 |
| Tallapoosa County, AL | $100 | $978 | $1,078 | $711 | $811 | $267 |
| Auburn, AL | $2,500 | $1,388 | $3,888 | $1,009 | $3,509 | $379 |
Identify Top Home Insurance Agents near Montgomery, AL | Back to Top
| Home Insurance Company Montgomery, AL | Homeowners Insurance Agency Montgomery, AL | Address | Popularity Score | Distance from Montgomery (miles) |
|---|---|---|---|---|
| State Farm | Shane Anderson | 5289 Vaughn Rd, Montgomery, AL, 36116-1104 | 2.8 | |
| State Farm | Cedric Bradford | 420 S Lawrence St, Montgomery, AL, 36104-4220 | 2.9 | |
| State Farm | Breck Honea | 61 Market Pl Ste A, Montgomery, AL, 36117-4910 | 5.1 | |
| Travelers | Davis & Davis Insurance Agency Inc | 401 6th St N, Clanton, AL, 35046 | 40.2 | |
| State Farm | Brian Moss | 631 Willow Ln Ste M, Greenville, AL, 36037-8028 | 40.8 | |
| Allstate | Kip Lowe | 4722 Woodmere Blvd, Montgomery, AL, 36106 | 2.4 | |
| Travelers | Steinhilber & Strawbridge Inc | 2100 Mt Meigs Rd, Montgomery, AL, 36107 | 2.2 | |
| State Farm | Stefan Slade | 7742 Atlanta Hwy, Montgomery, AL, 36117-4241 | 6.6 | |
| Allstate | Trustway Insurance | 141 Troy Plaza Loop, Troy, AL, 36081 | 43.0 | |
| Liberty Mutual Independent | Harmon Dennis Bradshaw Inc | 7115 Halcyon Summit Dr, Montgomery, AL, 36117 | 5.9 |
Compare Rates for Montgomery, AL Home Insurance Providers | Back to Top
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Alabama | $132,100 | $1,168 | $850 | $1,660 | $810 |
| Montgomery County, AL | $124,100 | $1,047 | $750 | $1,460 | $710 |
| Montgomery, AL | $118,000 | $1,016 | $720 | $1,390 | $670 |
| Redland, AL | $234,900 | $1,557 | $1,070 | $2,130 | $1,060 |
| Eclectic, AL | $152,800 | $900 | $610 | $1,240 | $630 |
| Autaugaville, AL | $86,800 | $904 | $650 | $1,250 | $600 |
| Fort Deposit, AL | $59,500 | $707 | $490 | $980 | $490 |
| Verbena, AL | $81,700 | $731 | $500 | $1,030 | $530 |
| Union Springs, AL | $65,500 | $700 | $500 | $970 | $470 |
| Forest Home, AL | $87,200 | $907 | $640 | $1,300 | $660 |
| Banks-Josie, AL | $97,000 | $970 | $660 | $1,380 | $720 |
| Tallapoosa County, AL | $107,000 | $990 | $670 | $1,370 | $700 |
| Auburn, AL | $236,200 | $1,405 | $940 | $2,010 | $1,070 |
Research Home Insurance Companies Reviews in Montgomery, AL Before Buying | Back to Top
Share a review on your home insurance company
Allstate Home Insurance Reviews
Date: December 02, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Policy Offerings
The policy offerings are amazing and have everything we in an insurance company. They even reach out to us to show us new offerings that they have. They actually have us choose one, and we get a bonus gift.
Date: November 07, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Website/App
I have never used the app to judge, but the website is easy to use and we can find our policy documents quickly.
Date: October 01, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Website/App
I can have my policy ready to view at any time, i can chat with a customer service rep if needed.
Date: August 14, 2018 Age: Above 60 Gender: Male Marital Status: Married
Premium
We have checked other insurance companies and stayed with Allstate just because we have all of our vehicles insured there and were able to take advantage of a lot of discounts because of it.
Date: August 11, 2018 Age: 40 to 49 Gender: Male Marital Status: Unmarried
Communication
They treat me like a real person, they explain everything the insurance entails. If i have questions about what is covered they take the time to explain and make sure i undertand.
Date: August 01, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
Customer service is there 24/7 i can live chat, call them, or just go into an office and talk about any problem or question i was having.
Date: December 01, 2017 Age: 30 to 39 Gender: Male Marital Status: Married
Policy Offerings
What is covered is anyphysical structure of the home,detached garage,belongings inside of the home.
State Farm Home Insurance Reviews
Date: October 23, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
I have only had issues with being billed and I thought it was automatic but it wasn't. They were pleasant to talk to and handle the matter quickly.
Date: July 25, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Customer Service
We enjoy using State Farm. We have our home insurance and car insurance through them. We haven't needed to use our home owners insurance recently.
Date: April 07, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Customer Service
I do like their customer service at this location. 95% of the time things go smoothly and are done in a timely manner when I call to get help.
Country Financial Home Insurance Reviews
Date: February 21, 2019 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Policy Offerings
I am actually not too familiar with other companies. I haven't needed to use it but it's a peace of mind that it's there.
Nationwide Home Insurance Reviews
Date: November 21, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Premium
The premium and deductible seem to be reasonable to me. I have shopped around, but haven't found anything better or equal for a lower price, so I just stick to my current provider.
Farmer's Insurance Home Insurance Reviews
Date: February 27, 2019 Age: 50 to 59 Gender: Female Marital Status: Married
Policy Offerings
I would rate Farmers a 4 in terms of what they cover. I am very happy with what they cover. The only reason that it's not a 5 is because the price keeps rising.