Gavop shows you how to buy homeowners insurance in Chambers County, AL by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $40,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $85,500 | $80,000 | $75,000-$100,000 |
| 3 Bedroom | $96,500 | $80,000 | $100,000-$125,000 |
| 4 Bedroom | $105,000 | $80,000 | $75,000-$100,000 |
| 5 Bedroom | $142,500 | $130,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$165 | $701 |
| Superior Protection Discount | -$87 | $779 |
| Fire & Security Discount | -$69 | $797 |
| Hail Resistant Roof Discount | -$17 | $849 |
| Newly Constructed Home Discount | -$234 | $632 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Chambers County | $700 | $856 | $1,556 | $622 | $1,322 | $234 |
| Chambers County, AL | $2,500 | $856 | $3,356 | $622 | $3,122 | $234 |
| Huguley, AL | $400 | $847 | $1,247 | $615 | $1,015 | $231 |
| Rock Mills, AL | $700 | $655 | $1,355 | $476 | $1,176 | $179 |
| Wadley, AL | $200 | $882 | $1,082 | $641 | $841 | $241 |
| Pine Mountain, GA | $1,000 | $836 | $1,836 | $607 | $1,607 | $228 |
| Tallapoosa County, AL | $300 | $978 | $1,278 | $711 | $1,011 | $267 |
| Loachapoka, AL | $2,000 | $1,200 | $3,200 | $872 | $2,872 | $328 |
| Eclectic, AL | $400 | $889 | $1,289 | $646 | $1,046 | $243 |
| Delta, AL | $1,500 | $1,370 | $2,870 | $996 | $2,496 | $374 |
| Franklin, AL | $300 | $881 | $1,181 | $640 | $940 | $241 |
| Warriorstand-Creek Stand, AL | $1,500 | $883 | $2,383 | $642 | $2,142 | $241 |
| Home Insurance Company Chambers County, AL | Homeowners Insurance Agency Chambers County, AL | Address | Popularity Score | Distance from Chambers County (miles) |
|---|---|---|---|---|
| State Farm | Mike Coleman | 86401 Highway 9, Lineville, AL, 36266-6953 | 34.2 | |
| Allstate | Prewett Insurance Group | 1849 Ogletree Rd Ste 300, Auburn, AL, 36830 | 23.0 | |
| State Farm | Tom Bryan | 1819 Pepperell Pkwy, Opelika, AL, 36801-5475 | 19.1 | |
| Allstate | Dee C Madison | 1444 Opelika Rd, Auburn, AL, 36830 | 20.5 | |
| Farmers | Laraine Anglin | 3355 Highway 431 Ste 12, Roanoke, AL, 36274 | 16.5 | |
| State Farm | Janice Henderson | 2310 Crawford Rd Ste 101, Phenix City, AL, 36867-3612 | 37.2 | |
| Allstate | Michael Cook | 601 1st Ave Ste A, Opelika, AL, 36801 | 18.3 | |
| Farmers | Diana Welch | 802 S Gilmer Ave, Lanett, AL, 36863 | 12.4 | |
| State Farm | Mike Spear | 401 So. Lafayette St., Lafayette, AL, 36862 | 1.5 | |
| Farmers | D. Scott Gordon | 153 Alabama St, Alexander City, AL, 35010 | 32.5 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Alabama | $132,100 | $1,168 | $790 | $1,660 | $870 |
| Chambers County, AL | $86,400 | $866 | $600 | $1,200 | $600 |
| Chambers County, AL | $86,400 | $866 | $580 | $1,190 | $610 |
| Huguley, AL | $79,800 | $857 | $610 | $1,170 | $560 |
| Rock Mills, AL | $54,000 | $663 | $470 | $930 | $460 |
| Wadley, AL | $85,100 | $893 | $600 | $1,260 | $660 |
| Pine Mountain, GA | $157,100 | $846 | $620 | $1,170 | $550 |
| Tallapoosa County, AL | $107,000 | $990 | $720 | $1,400 | $680 |
| Loachapoka, AL | $141,700 | $1,215 | $840 | $1,710 | $870 |
| Eclectic, AL | $152,800 | $900 | $620 | $1,230 | $610 |
| Delta, AL | $182,600 | $1,387 | $980 | $1,980 | $1,000 |
| Franklin, AL | $85,000 | $892 | $640 | $1,240 | $600 |
| Warriorstand-Creek Stand, AL | $85,200 | $894 | $630 | $1,230 | $600 |