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Read amazing research on Troy, Alabama Home Insurance Rates which will help keep your rates really cheap.

Replacement Value of your home in Troy, AL is the biggest driver of your coverage & home insurance.

Here is a list of replacement costs & home insurance for Troy, AL & nearby areas

Place Typical Home Size Replacement Cost Monthly Home Insurance Cost
Troy 2 Beds, 1 Bath, 1500 sqft $89,000 $31
Coffee Springs 2 Beds, 1 Bath, 1,550 sqft $132,000 $37
Hope Hull 2 Beds, 1 Bath, 1,780 sqft $158,000 $42
Montgomery 2 Beds, 1 Bath, 1,600 sqft $196,000 $57
Rutledge 4 Beds, 1 Bath, 3,050 sqft $326,000 $162
Forest Home 4 Beds, 1 Bath, 1,850 sqft $220,000 $105
Chapman 4 Beds, 1 Bath, 2,390 sqft $128,000 $78
Ramer 3 Beds, 2 Baths, 1,570 sqft $163,000 $64
Headland 2 Beds, 1 Bath, 1,370 sqft $127,000 $54
Headland 4 Beds, 3 Baths, 2,620 sqft $210,000 $59
Needmore 3 Beds, 1 Bath, 1,490 sqft $174,000 $53
Banks 4 Beds, 1 Bath, 2,010 sqft $216,000 $34
Shorter 3 Beds, 2 Baths, 1,870 sqft $222,000 $86
Luverne 4 Beds, 3 Baths, 3,020 sqft $323,000 $49
Onycha 4 Beds, 3 Baths, 3,000 sqft $226,000 $96
Napier Field 4 Beds, 1 Bath, 3,010 sqft $232,000 $97
Gantt 3 Beds, 2 Baths, 2,390 sqft $239,000 $72
Hayneville 2 Beds, 1 Bath, 1,090 sqft $81,000 $42
Kinston 3 Beds, 1 Bath, 1,860 sqft $187,000 $89
Opp 3 Beds, 2 Baths, 1,810 sqft $153,000 $60
Babbie 4 Beds, 2 Baths, 2,970 sqft $277,000 $112

If your Troy, AL home has prior claims, your insurance is likelier to be higher

Here are some typical claims filed in Troy:

Claim Typical Claim Amount
VANDALISM/MALICIOUS MISCHIEF $8,500
OPTIONAL COVERAGE LOSSES $12,000
FIRE $46,500

Your Troy, AL insurance agent (see examples below) can help with your claims.

  • Travelers: Sanbuck Inc, 101 s 3 notch st, Troy, AL, 36081 Phone: 334-566-2644
  • State Farm: Mike Shelton, 1009 highway 231 s ste b, Troy, AL, 36081-3085 334-566-3486
  • Allstate: Watts Ins Agency, 27 s forest ave, Luverne, AL, 36049 (334) 335-5210
  • Liberty Mutual Independent: Witherington Ins Agency Inc, 1200 elba hwy, Troy, AL, 36079 Phone: 334-566-1477
  • Allstate: Insurance Solutions, po box 1329, Troy, AL, 36081 (334) 566-2484

Your Background Impacts Your Home Insurance Quotes

Here is a list of Troy, AL homeowners with differing backgrounds & their changing home insurance.

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Freelancer 500-549 Credit Score <$25,000 More than 3 Pets at home, Smoker $590
Part Time Job 600-649 Credit Score <$25,000 3 Pets, Smoker $520
Retired 800-850 Credit Score No Income 2 Pets, Non-Smoker $230