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Dothan, AL Home Insurance Rates

After conducting relevant research, we have collected data relevant to homeowners insurance in Dothan, Alabama. Dothan is a city located toward the southeast area of Alabama. It is situated in Alabama’s Wiregrass region. Our data looks at various aspects of the city itself and how they relate to homeowners insurance in the area.

Weather Conditions in Dothan

When pursuing homeowners insurance in Dothan, it’s important to understand the weather conditions that you might require protection from. Natural disasters in this city have primarily been caused by storms, flooding, and tornadoes. Earthquakes are a lesser concern but should still be accounted for in your coverage due to their unpredictability.

Traditional homeowners insurance will provide coverage for hazards such as fires or hurricanes. However, in the case of floods, you would be required to pursue a specific policy to guarantee appropriate coverage if you encounter flooding-related damages.

As a result of these events, it is in your best interest to acquire insurance to make the impact of these conditions more manageable.

Dothan AL Home Insurance Premium Comparison

Our study is based on quotes requested for 1,500 square foot houses with 2 bathrooms and a value of $150,000. These houses were built in 2000, and we have proceeded under the notion that their roofs were replaced in 2015. We examined 3 different postal codes in the city (36301, 36303, and 36305) and requested quotes from State Farm, Liberty Mutual, and Travelers.

The average monthly premium for Alabama homeowners insurance was valued at $144.95, while the same statistic for Dothan amounted to $169.20. After comparing quotes, Travelers is the most affordable option out of the 3 companies with an average of $117, while Liberty Mutual is the most expensive option with an average of $204.33. On the other hand, State Farm’s average was $186.27.

Of the three zip codes examined, quotes from Travelers were consistently the lowest. Liberty Mutual and State Farm provided quotes which were much higher in comparison.

Zip CodesState FarmLiberty MutualTravelersZip Code Average
Company averages$186.27$204.33
Dothan Average: $169.20

Dothan Statistics

Population-related statistics in Dothan are as follows (metropolitan area):

  • Total population of Dothan: 67,959
  • Population in households: 66,596
  • Population in families: 53,470

Statistics relevant to income are as follows:

  • Median household income: $44,183
  • Average household income: $66,916
  • Per capita income: $27,661

Statistics related to housing units are as follows:

  • Total housing units: 30,831
  • Median home value: $148,326
  • Average home value: $187,321

The following are statistics related to households in Dothan:

  • Total households: 27,729
  • Average household size: 2.4
  • Family households: 17,995

Relevant crime statistics for Dothan are as follows:

  • Burglary: 626 reported incidents
  • Theft: 1,909 reported incidents
  • Property crime: 2,735 reported incidents

Adding onto these crime statistics, for every 100,000 people, there were 908.6 burglaries, 2,770.9 thefts, and 3,970 property crimes. In total, the crime rates for Dothan are 38 percent higher than the mean crime rate in Alabama. This would necessitate acquiring homeowners insurance in order to gain protection from the impact of these crimes.

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