Top 5 Home Insurance Companies in Lee County, AL
Check out the most popular Home Insurance agencies & companies in Lee County, AL & compare the best quotes from them.
Find out the Cost of Homeowners Insurance in Lee County, AL
Based on the research, the average cost of homeowners insurance in Lee County, AL, is $1194.12. Considering that, the cost of the insurance is set after scrutinizing certain factors. Few such factors are the home value, coverage type, deductible, age of the home, the material used to build your home etc. Therefore, it is necessary to understand the homeowners insurance rates in Lee County, AL, to maintain the balance as per your needs.
Check out the cost of homeowners insurance in Lee County, AL, and the coverages offered.
Home Insurance Coverage in Lee County, AL
Home insurance coverage refers to the package offered by the insurance company which covers the damages or loss of the house in any unforeseen circumstances. Every home insurance policy has a liability limit which determines the amount of coverage an individual has to cover the damage in an unfortunate situation.
The average limit is generally $100,000, but the policyholder can also opt for a higher limit. Therefore, the higher the coverage, the higher the premium charged and higher the protection of the house covered.
In Lee County, AL, homeowners typically opt for coverages of $400,000 and $500,000 where they have to pay a premium of $3712 and $4751, respectively. In contrast, policyholders who have opted for coverage of $200,000 and $300,000 have to pay a premium of $1553 and $2898, respectively.
Home Insurance based on the Materials Used
Materials used to construct the house plays a significant role in determining the insurance premium amount. Homes built using sturdy materials have a minor threat to damage. Hence, home insurance companies offer considerable discounts to homes built using damage-resistant materials.
For instance, homes built with fire resistive brick are offered at a premium of $1051 in Lee County, whereas homes built with Masonry and Brick are offered at a premium of $1135. Thus, the premium charged will be higher if you use low-quality materials to construct your house.
Refer to the chart below to know the applicable rates based on the material used to build the house.
Homes with advanced level security features like fire extinguishers, smoke detectors, new locks are less prone to burglaries and damage. Therefore, homeowners insurance companies in Lee County encourage homeowners to install home safety devices by offering discounts as incentives. Homes in Lee County with deadbolts and fire extinguishers pay $1063 on home insurance rates. In addition, homes equipped with sprinkler systems and smoke detectors pay $1123 and $1087, respectively, on homeowners insurance.
Top Home Insurance Companies in Lee County, AL
| Home Insurance Company | A.M. Best Financial Strength Rating | Homeowners Insurance Market share |
|---|---|---|
| State Farm | A | 28.18% |
| Erie | A+ | 12% |
| Allstate | A+ | 11.8% |
| Travelers | A++ | 4.19% |
| Nationwide | A+ | 2.65% |
Top State Farm Home Insurance Agents in Lee County, AL
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| C J Ladner | 4264 Macon Rd www.cjladner.com 31907-2266 |
706-563-6993 | |
| Leo E Longworth | 1434 OPELIKA RD STE C www.leolongworth.com 36830 |
334-887-2905 | |
| John Roberts | 200 BROOKSTONE CENTRE PKWY STE 118 31904 |
706-324-6671 | |
| Glenn Marlin | 2528 Weems Rd Ste 2D www.akfarmteam.com 31909 |
(706) 324-0417 | |
| Victoria Anderson | 1431 Conecuh Ave. East Union\u00a0Springs 36089 |
||
| Cynthia Topete | 115 Hardaway Avenue W 36089-0658 |
334-738-5166 | |
| Jeff Genant | 120 S MAIN ST www.insurancejeff.com 36083 |
334-727-6210 | |
| Joanna Boothe | 406 EAST MAIN STE A www.joannaboothe.com 30230 |
706-637-4575 | |
| Bill Duggan | 270 E Court Sq www.billduggan.net 30217-8015 |
706-675-3093 | |
| Don Parsons Cpcu | 1003 Hogansville Rd Ste C 30241 |
(706) 883-7506 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Anthony Hernandez Jr Agency | 341 Main St 36274-1435 |
334-863-2610 | |
| Carney & Company Insurance Services Inc. | 115 Hardaway Ave W 36089-1502 |
334-738-2590 | |
| W D Skarr Inc | Po Box 57 31906 |
||
| Leo Blankenship | 105A N 10TH ST 36801 |
334-745-0888 | |
| Jan M Winheld | 410 HILLABEE ST 35011 |
256-234-5026 | |
| Corrigan Insurance Agency Inc. | 702 14th Street 36867-5047 |
334-298-2511 | |
| Aubrey M Beatty Agency | 3616 Highway 431 N 36867 |
334-297-1188 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Eades Insurance Agency | 101 New Franklin Rd 30240 |
(706) 885-0646 | |
| Sullivan Insurance Agency Inc. | 410 Hillabee Street Alexander\u00a0City\u00a0 35010 |
(256) 270-2703 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Garcia Martinez Ins | 360 Fob James Dr 36854 |
(334) 756-3600 | |
| John Riordan | 5714 WINDSOR DR 31909 |
706-323-7735 | |
| David Rosenberg | 1901 Stadium Dr Ste C 36867 |
(334) 297-1777 | |
| Eduardo Martinez | 1601 12th St Ste 6 31906 |
(706) 507-2592 | |
| Christopher Thom | 2310 Crawford Rd Ste 104 36867-3612 |
334-298-2300 | |
| Conrado Yero | 4264 Macon Rd 31907 |
706-563-6993 | |
| Marks Ins Agcy Inc | 124 Claud Rd 36024 |
(334) 541-2400 | |
| John Rodrigues | 1901 MANCHESTER EXPY STE A2 31904 |
706-507-3156 | |
| Duane Adams | 3617 Edgewood Rd 31907 |
(706) 563-8871 | |
| Charles Mcgriff | 5820 Moon Rd 31909-3888 |
706-563-8949 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Brown Hiller Clark & Associates | 2048 Cherokee Rd www.bhca.com 35010-3439 |
256-234-2700 | |
| Edwards Tipton Witt Agency Inc | 3884 Warm Springs Rd 31909 |
(706) 682-2077 | |
| Harrison Insurance Agency | 110 Enterprise Ct Ste A www.harrisoninsurance.com 31904 |
(706) 256-6745 Email:info@harrisoninsurance.com |
|
| Front Range Ins & Financial Services | 341 Broad St 31805 |
(706) 989-1910 | |
| Reynolds Ins Agency Inc | 1912 Opelika Rd www.reynoldsinsuranceagency.com 36867 |
(334) 291-1923 | |
| Christine J Newton Agency Llc | 7505 Veterans Pkwy 31909-2529 |
706-324-4141 Email:cnewton@southshoreins.net |
|
| Brouillette Insurance Services | 401 S 8th St 36801-4958 |
334-749-8319 | |
| Dustin Ptak Insurance | 601 1st Ave Ste A www.dustinptakinsurance.com 36801 |
(334) 745-5555 Email:dptak@dustinptakinsurance.com |
|
| Western States Insurance Agency | 1505 5Th Avenue Phenix\u00a0City 36868 |
Email:wsi@sfcn.org |
|
| Alliance Ins Advisors Agency Llc | 1141 Opelika Rd www.allianceinsuranceadvisors.com 36830-4030 |
334-887-8541 |
| State Farm | Erie | Nationwide | |
| Median Home Value ($) | 141,390 | 151,390 | 171,390 |
| Construction year | 2000 | 2003 | 1984 |
| Home Coverage ($) | $200000-$250000 | $150000-$175000 | $250000-$300000 |
| Total Premium ($) | $1057 | $893 | $1100 |
Lee County, AL Multi Policy Discounts by Home Insurance Companies
| Home Insurance Company | Multi Policy Discount (%) |
|---|---|
| Nationwide | upto 5% |
| Erie | upto 24% |
| Allstate | upto 20% |
| Travelers | upto 8% |