Homeowners Insurance in Prichard Alabama
Homeowners Insurance in Prichard Alabama gets the #2 most expensive rates in Mobile Alabama. Why is that? There are a couple of reasons. Google “Prichard Alabama”. On the 1st page you should see crime in Prichard. Do a YouTube search for the same and see the results! The crime rates in Prichard are greater than anywhere else in Mobile. Insurance companies have seen this and raised their insurance rates. If a criminal commits arson and burns down a home, the insurance would cover that as a total loss. If a murder or rape were committed, liability insurance may pay for the damages. Another reason Prichard has high insurance rates is that its homes are typically old. Many homes are not built up to modern building code. Old homes have leaking pipes or wires that may start a fire.
Looking at the map of Mobile, you can see that ALL Prichard is located above Interstate 10. Hurricane’s come from the Gulf of Mexico (below I-10). Any house built above I-10 will have lower prices for homeowners insurance. This is mainly due to the price of wind insurance.
Homeowners Insurance Prichard Alabama
Prichard AL 36610 and 36617 is located in Mobile County. The very south of Saraland is 3 miles from the Mobile bay 26 miles from the Gulf of Mexico. It has a fire department protection class of 05 & 09. Here’s what the cost of insurance might look like for those of you living in Prichard.
If you’re buying a house in Prichard, see these useful tips on how to save money on house insurance.
Example Quotes
Here’s a few random houses in Prichard. In a typical situation, the customer has had no claims, foreclosure, repossession, or bankruptcy.
This home is located at Saint Stephens Rd Prichard. It is a brick home with a hipped roof built in the 1970’s. By our standards, we must insure the dwelling for $100,000 or more. If the roof has been replaced within the last 10 years, the price may be decent.
| Dwelling | $100,000.00 |
TOTAL $2200 |
| Other Structures | $0.00 | |
| Personal Property | $25,000.00 | |
| Loss of Use / Rents | $5,000.00 | |
| 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 Albert St Prichard. It is a common type of home that we see in this area. Selling at $17,000, the value is too low for most of our carriers to insure. We would refer this to other insurance agencies in the area. The paint on the home is fading. The paint over the eves also needs work. While paint isn’t a big factor, it shows pride of ownership in a home. The idea is that if the outside has problems, the inside has problems too.
| Dwelling | $20,000.00 |
TOTAL N/A |
| Other Structures | $0.00 | |
| Personal Property | $10,000.00 | |
| Loss of Use / Rents | $2,000.00 | |
| Personal Liability | $300,000.00 | |
| Medical | $1,000.00 | |
| Wind & AOP Deductible | $2,500.00 | |
| Named Storm Deductible | 5% |
Also note that most of our carriers do not accept financing. Most policies must be paid in full for the year.
Also see The City of Prichard’s Webpage!