Homeowners Insurance in Saraland Alabama

Saraland Alabama is actually a very competitive area for homeowners insurance prices. Why is that? Looking at the map of Mobile, you can see that ALL Saraland is located above Interstate 10. 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.   Any house built above I-10 will have lower prices for homeowners insurance. This is mainly due to the price of wind insurance.

Saraland Alabama map

 

Homeowners Insurance Saraland Alabama

Saraland AL 36571 is located in Mobile County. 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 04 & 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 Saraland. In a typical situation, the customer has had no claims, foreclosure, repossession, or bankruptcy.

Carolina Cir Saraland 150k

Coverage  
Dwelling $150,000.00

TOTAL

$850

Other Structures $15,000.00
Personal Property $75,000.00
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 is located in the woodland subdivision of Saraland. It is a newer brick home with a hipped roof. All of those play a big factor in homeowner’s price. Not only is the roof hipped, but it’s 100% hipped. This makes the home a perfect candidate for low priced wind insurance.

 

homeowners insurance in Saraland Alabama

Coverage  
Dwelling $200,000.00

TOTAL

$1000

Other Structures $20,000.00
Personal Property $10,000.00
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 Charleston Ridge Saraland. It’s a typical home in Saraland; 3 bed, 2 bath, 2 car garage. The roof has 1 gable over the garage, but it’s still mostly hipped and received a hipped roof rating.

 

Charleston Ridge Saraland 280k

Coverage  
Dwelling $250,000.00

TOTAL

$1200

Other Structures $25,000.00
Personal Property $125,000.00
Loss of Use / Rents $25,000.00
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 Weatherby subdivision of Saraland. This full brick home is 1 ½ stories. Prices usually go up when the house has multiple stories. This same house, rated as gabled roof, would cost $1300. If the house were made of frame, the price would jump to $1500.

 

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 Saraland’s Wikipedia page!

Author: Kent Owen

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