Homeowners Insurance in Citronelle Alabama
Citronelle Alabama is the 2nd cheapest place to buy homeowners insurance in Mobile County. It is located to the very north of Mobile and is well above Interstate 10. Because Citronelle is located so far from the Gulf of Mexico, there is less threat of hurricane here than in other parts of Mobile.
Homeowners Insurance Citronelle Alabama
Citronelle AL 36522 is located in Mobile County. It is located 29 miles to the bay, 47 miles to the gulf.
The very south of Saraland is 7 miles from the Mobile bay 30 miles from the Gulf of Mexico. It has a fire department protection class of 05 & 09. With all of these factors in play, here is what house insurance prices may look like for those of you living in Saraland.
If you’re buying a house in Saraland, see these useful tips on how to save money on house insurance.
Example Quotes
Here’s a few random houses in Citronelle. In a typical situation, the customer has had no claims, foreclosure, repossession, or bankruptcy.
This home is located in the Brannan Fork Rd, Citronelle. It is a newer brick home with a hipped roof. This makes the home a perfect candidate for low priced wind insurance. Though it’s sold for around 150k, at 1960 sqft, the rebuild value may be up to 200k.
| Dwelling | $200,000.00 |
TOTAL $700 |
| 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 is located in Sand Ridge Rd, Citronelle. Even though it is being sold for 350k, at 2600 sqft, the rebuild value of the home would be about $260,000. That would mean the seller values the land value at about 100k. It’s a 2016 home and gets a new home discount. The stucco over the door and gable give a nice accent. If not taken care of properly, the stucco will cause problems within 15-20 years such as mold or rotting.
| Dwelling | $260,000.00 |
TOTAL $800 |
| Other Structures | $26,000.00 | |
| Personal Property | $50,000.00 | |
| Loss of Use / Rents | $26,000.00 | |
| Personal Liability | $300,000.00 | |
| Medical | $1,000.00 | |
| Wind & AOP Deductible | $2,500.00 | |
| Named Storm Deductible | 5% |
This home is located in the Hester Dr, Citronelle. This is a wood home built in the late 1970’s. Older homes mean higher prices. The roof also appears to be about 15 years old. Another disadvantage is that the roof is probably not braced gable. In 1979, Hurricane Fredrick hit Alabama. After that, building codes changed and more gabled roofs became braced gable roofs, providing more wind resistance.
| Dwelling | $200,000.00 |
TOTAL $950 |
| 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% |
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 see Citronelle’s Wikipedia page!