Homeowners Insurance in Satsuma Alabama
Satsuma Alabama is a fairly good city for cheap home insurance prices. The reason why is because ALL Satsuma is located above Interstate 10. Hurricane’s come from the Gulf of Mexico (below I-10). Homes below I-10 pay more for house insurance since they are closer to the Gulf. Satsuma, being above I-10, does not have that issue. Homes near Gunnison Creek may be vulnerable to flood damage.
House Insurance Satsuma Alabama
Satsuma AL 36572 is located in Mobile County. The very south of Satsma is 11 miles from the Mobile bay and 34 miles from the Gulf of Mexico. It has a fire department protection class of 04 & 09. Using all of this information, the following is what house insurance prices may look like for those who live in Saraland.
If you’re buying a house in Saraland, see these useful tips on how to save money on house insurance.
Example Quotes
These homes have been randomly selected from Satsuma. These quotes assume that a customer has had no claims, foreclosure, repossession, bankruptcy, or credit issues.
| Dwelling | $120,000.00 |
TOTAL $1000 |
| Other Structures | $12,000.00 | |
| Personal Property | $30,000.00 | |
| Loss of Use / Rents | $12,000.00 | |
| Personal Liability | $300,000.00 | |
| Medical | $1,000.00 | |
| Wind & AOP Deductible | $2,500.00 | |
| Named Storm Deductible | 5% |
This home is located just east of Highway 43. Built in 2005, it is a half brick half vinyl home with a gabled roof. This will receive a vinyl sided homeowner’s price. Gabled roofs provide more attic space, but are not ideal for wind insurance. Any home that is within 10 years old gets a new home rating.
| Dwelling | $260,000.00 |
TOTAL $1400 |
| Other Structures | $26,000.00 | |
| Personal Property | $65,000.00 | |
| 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 Vaughn Dr Satsuma. It’s a high value home with 5 beds and 3 baths. Although there are 4 gables on the front of the home, it is still mostly hipped. Because the home is so secure, it would receive a relatively low insurance rating.
| Dwelling | $350,000.00 |
TOTAL $1350 |
| Other Structures | $35,000.00 | |
| Personal Property | $87,500.00 | |
| Loss of Use / Rents | $35,000.00 | |
| 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 Laurel Wood Dr in Satsuma. It is partially made of brick, but the rest is made of vinyl and receives a vinyl rating. Even though the home was built in the 1990’s, the roof has been reshingled and receives a new roof rating. Because the home is 1.5 stories with a gabled roof, it would receive a higher insurance rating. Note that the trees near the home may cause an increase in price.
If you’re looking for cheaper house insurance, contact Heritage Insurance! We are confident that we can provide a competitive quote for your home.
Also see Satsuma’s Wikipedia page!