William A. Smith & Son Insurance Poughkeepsie Office
30 Scott’s Corners Drive, Ste 201, Montgomery, NY 12549
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30 Scott’s Corners Drive, Ste 201, Montgomery, NY 12549
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Montgomery residents.
Montgomery drivers pay $1,751-$2,376/year for full coverage. Learn about storm protection, discounts (15-20% bundling), and state employee savings.
The average cost of home insurance in Montgomery is approximately $1,640 per year, significantly lower than Alabama's state average of over $4,100. For a $150,000 home, expect to pay around $1,215 annually, while a $300,000 home typically costs about $1,994 per year. Your actual premium depends on factors like your home's value, age, condition, credit score, and chosen deductibles.
Yes, standard homeowners insurance policies in Alabama cover tornado damage, including damage to your home's structure, personal belongings, and additional living expenses while your home is being repaired. However, you'll need to pay your windstorm deductible first, which is typically 1-5% of your dwelling coverage amount rather than a flat dollar amount. This means you could be responsible for $2,000-$10,000 out of pocket before insurance kicks in.
While Montgomery isn't in a high-risk coastal flood zone, flood insurance is worth considering, especially if you live near the Alabama River or in areas prone to heavy rainfall flooding. Standard homeowners policies don't cover flood damage at all. When tropical storm remnants bring intense rainfall or severe thunderstorms dump several inches in a short time, flooding can occur even outside designated flood zones, leaving you with costly repairs if you're uninsured.
Montgomery benefits from its inland location, which protects it from the most severe hurricane damage that coastal cities like Mobile experience. While Montgomery still faces tornado and severe thunderstorm risks, the reduced hurricane exposure significantly lowers insurance costs. Coastal Alabama homeowners pay over $5,700 annually on average, while Montgomery residents typically pay around $1,640, reflecting this geographic advantage.
Your regular all-other-perils deductible (typically $500-$2,500) applies to most covered claims like fire or theft. Your windstorm deductible applies specifically to wind and hail damage and is usually calculated as a percentage of your dwelling coverage (1-5%) rather than a flat amount. For a $200,000 home with a 2% wind deductible, you'd pay $4,000 out of pocket for storm damage versus potentially just $1,000 for your regular deductible on other claims.
Start by shopping around and comparing quotes from multiple insurers, as rates can vary by $1,000+ for similar coverage. Bundle your home and auto insurance for 15-25% discounts, improve your credit score (which has enormous impact in Alabama), install security and fire detection systems, and maintain your roof in good condition. Also review your deductibles—raising them can significantly lower your premium if you can afford higher out-of-pocket costs when filing a claim.
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