Gavop's guide to buying homeowners insurance in Russell County, AL covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Russell County, AL - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Iona Dr, 14th Ave N, Craig Dr, Bridgewater Dr, Brooks Rd, 1st St, 43rd Ave, Sasser Dr, 1st Pl S, Stafford Rd | $76,000 | $60,000 | $50,000-$75,000 | $52,500 | $50,000 | $50,000-$75,000 |
| Cut Rate Rd, 13th St, St James Rd, Starke Dr, Minger Cir, Nuckols Rd, Clay Rd, Blake Cir, 9th Pl, Volunteer Ct | $104,000 | $90,000 | $75,000-$100,000 | $81,000 | $80,000 | $75,000-$100,000 |
| 33rd St, Briar Creek Ct, Hillway Dr, Cottage Dr, Switchee St, Delbrock Dr, 23 Pl, Buford Dr, Wheatfield Dr, Lakewood Cir | $96,500 | $80,000 | $100,000-$125,000 | $61,000 | $60,000 | $50,000-$75,000 |
| Stephens Loop, Sweetwater Branch Rd, County Line Rd, Lakewood Dr, Marshall St, Co Rd 10, Co Rd 50, Woodcrest Dr, State Docks Rd, Summer Ct | $97,500 | $90,000 | $100,000-$125,000 | $87,500 | $70,000 | $100,000-$125,000 |
| Lawyer Ln, Co Rd 2, Canopy Ct, Harmony Pl, 13th St, Barrow Rd, 19th Ave, Kennedy St, 3rd Ave, Iveys Corner Rd | $128,500 | $110,000 | $125,000-$150,000 | $101,000 | $90,000 | $75,000-$100,000 |
| Thornhill Dr, 39th Ct, Longview St, Old Glory Way, Paul Dr, S Herring Rd, Church Ln, Minger Rd, Moses Pl, S US Hwy 431 | $60,500 | $60,000 | $50,000-$75,000 | $61,000 | $60,000 | $50,000-$75,000 |
| 3rd St S, 18th St, Co Rd 15, Uchee Rd, W Dr, 2 Pl, Scenic Dr, 165 Rd Exn, Level Ct, 5th Pl S | $151,500 | $130,000 | $125,000-$150,000 | $77,000 | $60,000 | $75,000-$100,000 |
| Ladonia Dr, 6 Pl S, 8th Pl S, Allen Rd, 12th Ct, Epps Crossing Rd, Bud Dr, S Wende Rd, Rolling Hills Dr, 43rd St | $118,000 | $100,000 | $125,000-$150,000 | $57,000 | $50,000 | $50,000-$75,000 |
| Pinewood Cir, N Hwy 169, Airport Rd, Ridgewood Dr, Hall Rd, Porter Rd, 34th St, 40th St, William Upshaw Cir, Thomas Rd Hts | $120,000 | $110,000 | $100,000-$125,000 | $78,500 | $70,000 | $75,000-$100,000 |
| Roddick Rd, Freeman Rd, General Colin Powell Pkwy, Sonnet Dr, Duke Ct, 45th Ave, Colbert Rd, Blackbottom Rd, Dandelion St, Delbrock Ct | $90,500 | $80,000 | $75,000-$100,000 | $72,000 | $70,000 | $50,000-$75,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$170 | $830 |
| Superior Protection Discount | -$100 | $900 |
| Fire & Security Discount | -$80 | $920 |
| Hail Resistant Roof Discount | -$30 | $970 |
| Newly Constructed Home Discount | -$280 | $720 |
| 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 |
| Russell County | $1,000 | $988 | $1,988 | $718 | $1,718 | $270 |
| Russell County, AL | $2,500 | $988 | $3,488 | $718 | $3,218 | $270 |
| Chattahoochee County, GA | $400 | $583 | $983 | $423 | $823 | $159 |
| Stewart County, GA | $1,500 | $825 | $2,325 | $599 | $2,099 | $225 |
| Notasulga, AL | $100 | $779 | $879 | $566 | $666 | $213 |
| Bullock County, AL | $700 | $633 | $1,333 | $460 | $1,160 | $173 |
| Loachapoka-Roxana, AL | $200 | $986 | $1,186 | $716 | $916 | $269 |
| Harris County, GA | $2,500 | $1,034 | $3,534 | $751 | $3,251 | $282 |
| Valley, AL | $500 | $745 | $1,245 | $542 | $1,042 | $204 |
| Tuskegee, AL | $700 | $690 | $1,390 | $502 | $1,202 | $189 |
| Geneva, GA | $200 | $668 | $868 | $485 | $685 | $183 |
| Parrott, GA | $1,000 | $556 | $1,556 | $404 | $1,404 | $152 |
| Home Insurance Company Russell County, AL | Homeowners Insurance Agency Russell County, AL | Address | Popularity Score | Distance from Russell County (miles) |
|---|---|---|---|---|
| State Farm | Joe Stokes | 818 E Glenn Ave, Auburn, AL, 36830-5708 | 27.3 | |
| Allstate | Prewett Insurance Group | 1849 Ogletree Rd Ste 300, Auburn, AL, 36830 | 25.1 | |
| Travelers | Tri County Insurance | 1434 Opelika Rd Ste C, Auburn, AL, 36830 | 27.7 | |
| State Farm | Tom Bryan | 1819 Pepperell Pkwy, Opelika, AL, 36801-5475 | 27.1 | |
| State Farm | John Killmaster | 2515 E Glenn Ave Ste 206, Auburn, AL, 36830-6452 | 26.2 | |
| State Farm | Janice Henderson | 2310 Crawford Rd Ste 101, Phenix City, AL, 36867-3612 | 15.9 | |
| Allstate | Trustway Insurance | 119 Kirkland St, Abbeville, AL, 36310 | 49.7 | |
| Allstate | Michael Cook | 601 1st Ave Ste A, Opelika, AL, 36801 | 27.3 | |
| Farmers | Diana Welch | 802 S Gilmer Ave, Lanett, AL, 36863 | 39.4 | |
| State Farm | Mike Spear | 401 So. Lafayette St., Lafayette, AL, 36862 | 43.5 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Alabama | $132,100 | $1,168 | $840 | $1,610 | $770 |
| Russell County, AL | $114,700 | $1,000 | $720 | $1,430 | $710 |
| Russell County, AL | $114,700 | $1,000 | $670 | $1,370 | $700 |
| Chattahoochee County, GA | $81,700 | $590 | $400 | $840 | $440 |
| Stewart County, GA | $51,800 | $835 | $580 | $1,160 | $580 |
| Notasulga, AL | $70,200 | $788 | $540 | $1,080 | $540 |
| Bullock County, AL | $66,800 | $641 | $460 | $910 | $450 |
| Loachapoka-Roxana, AL | $186,900 | $997 | $720 | $1,390 | $670 |
| Harris County, GA | $194,800 | $1,046 | $750 | $1,440 | $690 |
| Valley, AL | $85,800 | $754 | $550 | $1,070 | $520 |
| Tuskegee, AL | $76,300 | $699 | $500 | $990 | $490 |
| Geneva, GA | $88,300 | $676 | $490 | $930 | $440 |
| Parrott, GA | $71,300 | $563 | $390 | $800 | $410 |