Daleville, AL Home Insurance Quotes!

Homeowners living in Daleville, AL can find more affordable home insurance premiums when they shop multiple insurance companies with GetHomeInsuranceQuotes.com. We can compare cost amongst different providers, but can also review better coverage options. Savings for Daleville residents also comes in when you apply the available discounts and credits toward your home insurance policy.

Daleville's Average Homeowners Premiums & Discounts

Residents of Daleville are higher than average when it comes to the cost of insuring their home. Daleville ranks number 11 in a recent study with the average premium coming in at $1,120 per year or around $93 per month. With a slightly increased deductible and applying discounts, customers are seeing rates much lower around $870 per year.

While Daleville homeowners already enjoy pretty reasonable homeowners rates, there are always ways to find more affordable home insurance coverage. Opting to receive your bills and policies via email instead of through snail mail will garner a small discount, somewhere in the range of 5 percent.

Paying your annual premium up front can also result in a small discount. Experts recommend paying in full if you can afford it. While neither of these discounts is huge on their own, added up they can make a real difference. Please visit our homeowners insurance discounts page to learn how to easy it is to cost on your premium.

Factors to Consider in Daleville, AL

Daleville’s crime rate is slightly above other areas in Alabama. Despite the fact that Daleville is a pretty safe place to live, crime can definitely affect your homeowner rates. When shopping for a new home, check crime rates online and request free quotes from us to get an idea of insurance costs in that area.

Most insurance experts advise consumers to shop their insurance at least once a year. If you are currently shopping your policy for your home in Daleville, we can help. The online quoting process is free, quick and easy. Our insurance partners are top rated carriers who have been in business for several decades and will provide you with the best rates available. Start your Daleville, AL home insurance quote today by entering your zip code. Or give us a call now for free home insurance quotes 1-855-976-2656!

Daleville, AL Home Facts

The city of Daleville in Alabama is roughly around 5,295 residents in population size with 2384 occupied homes within the city of Daleville. The average family household in Daleville is 1353.

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Average Rates Nearby Daleville

Are you looking for homeowners insurance in a city near Daleville? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in Daleville, AL

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Daleville.

36322,     

Daleville, AL Home Insurance Average Premiums

$870 /yr.

For the city of Daleville, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

What is the average home insurance cost for a home in Daleville, AL?

What does it cost on average per month for home insurance in Daleville, AL?

Daleville, AL - 2023 Housing Information

Homeowners insurance will help cover the cost to repair or replace your Daleville home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

Get up to 12 competitive Daleville, AL homeowners insurance rates all in one place!

Saving Money Tips on Daleville Home Insurance

A great way to save money on Daleville homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

Are you shopping for the best rate near or wihin the Daleville area? Check out what homeowners are paying on average for Alabama homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Did you know that the elevation in which your home resides is crucial to a home insurance policy because it determines the risk factor related to your home being in a flood zone. It is important to understand that your home is not covered for floods under a standard homeowners policy. You will need to speak with a local Alabama flood insurance agent about a flood insurance policy, please give us a call now at 888-620-1954.

To get online quotes on your home and compare rates on home insurance premiums in Daleville, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Dale County.

Alabama Homeowners Insurance News & Information

While the odds of a major disaster hitting a specific home is the same regardless of whether the owner has a great credit score or one that puts them in a subprime category, their credit score will impact their rate in many states.  In most states, insurers are allowed to consider credit scores when setting […]

If you are switching insurance companies, you should always check the financial strength of any insurer you are seriously considering. While an affordable premium is always a plus, if your insurance company cannot afford to pay when you file a claim, the savings will certainly not be worth it.  A.M. Best is a credit rating […]

A bill in the U.S. House called the Natural Disaster Reinsurance Plan, hopes to lower insurance costs for policyholders in states that opt-in to the program which will scale back the requirements regarding the amount of reinsurance that insurance companies need to purchase.  Currently, a Broward commissioner is asking Congress to pass legislation he claims […]

North Carolina is a fantastic place to live with plenty of cultural activities, beautiful beaches, world-class cities as well as great restaurants and shopping. The only disadvantage to living in North Carolina, particularly if your home is located in coastal area is the cost of homeowners insurance. The average premium for a standard homeowners insurance […]

Making renovations to your home can have a major impact on your insurance coverages as your risk profile changes. Adding square footage, putting in a swimming pool, outbuilding or upgrading your electrical may change the value of your home which could leave your underinsured.  Major upgrades such as adding square footage to your home or […]

Daleville, AL Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Daleville so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in Daleville, AL?

- The average square footage in Daleville is around 934 Sq. Ft. which would cost you around $97,100 to replace the home if you base the home on the price to build per square foot of $104.

Minimum Replacement Cost Total: $97,100

Location: Daleville, Alabama (Dale County)

Average Building Cost Per Square Foot in Daleville: $104 (low end)

Average Square Footage in Daleville: 934 Sq. Ft.

The dwelling coverage is calculated by the average cost per square foot ($104) in Daleville, Alabama times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $325,000 (Media price to build of $130 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.

Daleville, AL Home Insurance Quotes!

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