Homeowners Insurance in Chickasaw Alabama
Chickasaw Alabama gets good rates for homeowners insurance depending on where a home is located. All of Chickasaw is located above Interstate 10, which makes wind insurance more affordable. Hurricane’s come from the Gulf of Mexico (below I-10). Since homes below I-10 are closer to the Gulf, they pay more for house insurance Chickasaw Creek runs through the north and east of the town, making some parts vulnerable to flood.
Chickasaw Alabama Homeowners Insurance
Chickasaw AL 36611 is located in Mobile County. It is located about 5 miles to the Mobile Bay and 27 miles to the Gulf of Mexico. It has a fire department protection class of 04 & 09. With all of these factors in play, here is what house insurance prices may look like for those of you living in Chickasaw.
If you’re buying a house in Chickasaw, see these useful tips on how to save money on house insurance.
Example Quotes
Here’s a few random houses in Chickasaw. These homes are quotes as primary residences. In a typical situation, the customer has had no claims, foreclosure, repossession, or bankruptcy.
| Dwelling | $100,000.00 |
TOTAL $1200 |
| Other Structures | $10,000.00 | |
| Personal Property | $25,000.00 | |
| Loss of Use / Rents | $10,000.00 | |
| Personal Liability | $300,000.00 | |
| Medical | $1,000.00 | |
| Wind & AOP Deductible | $2,500.00 | |
| Named Storm Deductible | 5% |
This home on Baratara Drive is surrounded by streams that flow from Chickasaw Creek. The house was built in 1970. Because it has a new roof, and the roof is hipped, the house receives the benefits of the lowest priced wind insurance.
| Dwelling | $150,000.00 |
TOTAL $1300 |
| Other Structures | $15,000.00 | |
| Personal Property | $37,500.00 | |
| Loss of Use / Rents | $15,000.00 | |
| Personal Liability | $300,000.00 | |
| Medical | $1,000.00 | |
| Wind & AOP Deductible | $2,500.00 | |
| Named Storm Deductible | 5% |
This home on Grand Blvd is located just south of Springhill Ave. It was built in the 1970’s, but has a new roof and new AC unit. The newer age of roof really helps to lower the premium. Since it was built after Hurricane Fredrick, the gables on the roof are likely braced.
| Dwelling | $200,000.00 |
TOTAL $1400 |
| Other Structures | $20,000.00 | |
| Personal Property | $50,000.00 | |
| Loss of Use / Rents | $20,000.00 | |
| Personal Liability | $300,000.00 | |
| Medical | $1,000.00 | |
| Wind & AOP Deductible | $2,500.00 | |
| Named Storm Deductible | 5% |
This home on Hillside Drive is located east of Eightmile Creek and I-65. As many of the homes in Chickasaw, this home was also built in the 1970’s. The roof seems to be a 15 year old hipped 3 tab shingled roof, which will raise the price of insurance.
If you’re looking to lower your bills, get a quote from Heritage Insurance! We are confident that we can provide a competitive quote for your home.
Also check out Chickasaw’s Wikipedia Page!