Find Affordable Homeowners Insurance

Enterprise, AL Home Insurance Rates

Homeowners insurance is necessary for this date and age. If you are still paying mortgage on your house in Enterprise, AL, you are required to have insurance by your lender. A house is the most valuable asset anyone can own, so it is essential that we safeguard it against any unpredictable events such as robberies, thefts, fire breakouts, and natural disasters, especially if you live in Enterprise, Alabama.

Geographic Location of Enterprise

Enterprise is located in southeastern Alabama, specifically in southeastern Coffee County and southwestern Dale County. With a population of 28,247, the city is known for the Boll Weevil Monument, which is found in the center of Main Street. It is a huge statue of a woman holding the boll weevil, which was a terrible cotton pest that arrived in Enterprise from Mexico back in 1915.

Weather Conditions in Enterprise

The climate in Enterprise is subtropical. Summers are usually hot and humid, whereas the winters are mild and short-lived. The temperatures are toned down due to the city’s closeness to the Gulf Ocean. The city also touches the southern parts of Alabama, Florida, and Georgia. Thanks to the mild weather conditions, Enterprise is surrounded by a variety of tall and leafy palm trees.

Geographically, the city is susceptible to thunderstorm winds, tornados, floods and hails. In the past, Enterprise has been struck with an intense tornado which damaged a high school in the city, causing the death of eight high-schoolers. A nearby football stadium, surrounding vehicles and an elementary school were all destroyed by the tornado.

Not only public places, but even houses were affected by the natural disaster. 347 houses sustained major damages, 529 sustained minor damages and 251 homes were distressed. This incident gives residents all the more reason to seriously consider investing in homeowners insurance.

Homeowners Insurance Premiums in Enterprise, AL

The monthly average for home insurance premiums in Enterprise is $191.61, which is a bit expensive when compared to the monthly average of Alabama (which is $144.95).

When we analyzed the data from different insurance companies in Enterprise, we found that Travelers offers insurance at a shocking price of $116. This is a lot cheaper than the monthly average of the city. Other companies offer similar packages at higher rates. For example, State Farm and Liberty Mutual cost $199.83 and $259 respectively.

Zip CodesState FarmLiberty MutualTravelersEnterprise Average Monthly Premium
36330$199.83$259.00$116.00 $191.61

To calculate an estimate of the rates offered by different home insurance companies, we gathered quotes for a house with two bathrooms. The assumed measurement of the house was 1500 sq. ft. that was built in the year 2000. The estimated value for this house was $150,000, and the roof of the house was also assumed to have been replaced fifteen years after its construction. This information was shared with the insurance companies to acquire quotes. These quotes were used to calculate the average for each company.

Important Statistics of Enterprise, AL

Enterprise consists of approximately 10,740 houses. The median price of a house is around $171,900 and the median income of each household is about $54,304. The recorded crime rate in the city is 3,088 incidents for every 100k people, which is greater than the national average of 2,745 for every 100k people. Out of these, 2,716 are property-related crimes that occur each year.

Therefore, it is extremely important for the residents of Enterprise to have home insurance.

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