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Opelika, AL Home Insurance Rates - What Affects It?

The issues listed mainly affect Opelika, Alabama Home Insurance Rates & getting on top of them can keep your costs really cheap.

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

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

Place Typical Home Size Replacement Cost Monthly Home Insurance Cost
Opelika 3 Beds, 1 Bath, 1230 sqft $67,000 $40
Tuskegee 3 Beds, 2 Baths, 1,730 sqft $142,000 $50
Tallassee 2 Beds, 1 Bath, 1,660 sqft $115,000 $65
Union Springs 4 Beds, 2 Baths, 1,610 sqft $107,000 $38
Emerald Mountain 3 Beds, 1 Bath, 2,150 sqft $201,000 $54
Phenix City 4 Beds, 2 Baths, 2,740 sqft $249,000 $83
Lone Oak, GA 4 Beds, 2 Baths, 2,160 sqft $169,000 $48
Fort Davis 2 Beds, 1 Bath, 1,510 sqft $153,000 $37
Notasulga 2 Beds, 1 Bath, 1,750 sqft $152,000 $49
Manchester, GA 4 Beds, 1 Bath, 2,750 sqft $218,000 $121
Goldville 4 Beds, 3 Baths, 2,430 sqft $148,000 $67
Abanda 2 Beds, 1 Bath, 1,100 sqft $85,000 $21
Columbus, GA 2 Beds, 1 Bath, 1,570 sqft $112,000 $48
Columbus, GA 2 Beds, 1 Bath, 1,160 sqft $101,000 $37
Columbus, GA 3 Beds, 1 Bath, 1,750 sqft $97,000 $54
Valley 4 Beds, 3 Baths, 2,860 sqft $258,000 $64
Auburn 4 Beds, 2 Baths, 1,950 sqft $98,000 $54
Kellyton 3 Beds, 1 Bath, 1,900 sqft $167,000 $66
Daviston 3 Beds, 1 Bath, 2,260 sqft $139,000 $59
Ray 3 Beds, 2 Baths, 1,610 sqft $123,000 $36
Fort Benning, GA 3 Beds, 2 Baths, 1,730 sqft $146,000 $54

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

Here are some typical claims filed in Opelika:

Claim Typical Claim Amount
OPTIONAL COVERAGE LOSSES $12,000
APPLIANCE RELATED WATER $20,000
WIND $17,000

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

  • Nationwide: Daughtry Ins Agency Inc, 105 n 10th st ste a, Opelika, AL, 36801-4300 (334) 741-9979
  • Liberty Mutual Independent: J Smith Lanier & Co, 300 w 10th st, West Point, GA, 31833 (706) 645-2211
  • Travelers: Tri County Insurance, 360 fob james dr, Valley, AL, 36854 (334) 756-3600
  • Farmers: Jay Harper, 124 n dean rd, Auburn, AL, 36830 (334) 826-1313
  • State Farm: Mike Spear, 401 so. lafayette st., Lafayette, AL, 36862 334-864-8772

Your Background Impacts Your Home Insurance Quotes

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

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Freelancer Up to 499 Credit Score >$150,000 3 Pets, Smoker $200
Unemployed 700-749 Credit Score No Income More than 3 Pets at home, Non-Smoker $890
Retired 800-850 Credit Score <$25,000 No Pets, Smoker $510