Gavop's guide to buying homeowners insurance in Cherokee 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.
| Cherokee 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 | |
| Co Rd 131, Co Rd 31, Hillside, Cherokee County 606, Co Rd 759, N Watson Dr, Co Rd 565, US Hwy 411, Cherokee County 469, Co Rd 491 | $159,000 | $130,000 | $150,000-$175,000 | $102,000 | $90,000 | $75,000-$100,000 |
| Cherokee County 613, Little Nose Dr, Northwood Dr, Co Rd 137, Church St, US Hwy 411 N, Co Rd 436, Co Rd 600, Co Rd 12, Cherokee County 693 | $94,000 | $80,000 | $75,000-$100,000 | $73,000 | $70,000 | $75,000-$100,000 |
| Co Rd 421, Co Rd 263, Co Rd 760, Co Rd 731, Cherokee County 367, Co Rd 91, Co Rd 44, Cherokee County 255, Cherokee County 364, Co Rd 692 | $97,000 | $80,000 | $75,000-$100,000 | $74,500 | $60,000 | $50,000-$75,000 |
| Cove Ln, Co Rd 178, Lakeview Dr, Co Rd 194, Co Rd 735, Valley St, Cherokee County 672, Co Rd 475, Cherokee County 63, Co Rd 151 | $161,500 | $130,000 | $125,000-$150,000 | $110,500 | $100,000 | $75,000-$100,000 |
| Co Rd 832, Cherokee County 947, 2nd Ave, Lemaster Ln, Lakefront Dr, Co Rd 465, Rich Acre Rd, Cherokee County 753, Co Rd 265, Cherokee County 245 | $112,500 | $90,000 | $100,000-$125,000 | $127,000 | $110,000 | $100,000-$125,000 |
| Cherokee County 654, Co Rd 132, Co Rd 205, Cherokee County 651, Co Rd 913, Co Rd 513, Co Rd 47, Riverside St, Co Rd 462, Cherokee County 466 | $165,000 | $140,000 | $125,000-$150,000 | $117,500 | $100,000 | $100,000-$125,000 |
| Co Rd 300, Co Rd 493, Co Rd 15, State Rte 35, Co Rd 439, Co Rd 189, Co Rd 24, Co Rd 17, Co Rd 486, Mackey St | $122,500 | $100,000 | $125,000-$150,000 | $85,500 | $70,000 | $75,000-$100,000 |
| Co Rd 419, Cherokee County 777, Co Rd 478, Cherokee County 3, Co Rd 738, Cherokee County 392, US Hwy 411, State Rte 273, Co Rd 59, Co Rd 165 | $113,500 | $110,000 | $100,000-$125,000 | $70,000 | $60,000 | $75,000-$100,000 |
| Co Rd 361, Embos Cir, Co Rd 540, Coosa St, Co Rd 55, Bowman Dr, Co Rd 863, Dogwood Ln, Co Rd 730, Hidden Circle Rd | $94,000 | $80,000 | $100,000-$125,000 | $114,000 | $110,000 | $100,000-$125,000 |
| Cherokee County 341, Park St, Cherokee County 386, Williams St, Embos Island Cir, Roberts St, Cherokee County 553, Co Rd 467, Mimosa Ln, Weiss Lake Blvd | $107,500 | $90,000 | $100,000-$125,000 | $70,500 | $60,000 | $50,000-$75,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$82 | $829 |
| Home and Two Car | -$155 | $756 |
| Home and Three Car | -$228 | $683 |
| 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 |
| Cherokee County | $1,500 | $900 | $2,400 | $654 | $2,154 | $246 |
| Cherokee County, AL | $1,500 | $900 | $2,400 | $654 | $2,154 | $246 |
| Ballplay, AL | $400 | $765 | $1,165 | $556 | $956 | $209 |
| Saks, AL | $1,000 | $810 | $1,810 | $589 | $1,589 | $221 |
| Lindale, GA | $100 | $635 | $735 | $462 | $562 | $174 |
| Rainsville, AL | $1,500 | $1,071 | $2,571 | $778 | $2,278 | $293 |
| Hammondville, AL | $200 | $1,137 | $1,337 | $826 | $1,026 | $311 |
| Albertville, AL | $1,500 | $892 | $2,392 | $648 | $2,148 | $244 |
| Trion, GA | $200 | $818 | $1,018 | $594 | $794 | $223 |
| Grant, AL | $700 | $857 | $1,557 | $623 | $1,323 | $234 |
| Morrison Crossroads, AL | $400 | $885 | $1,285 | $643 | $1,043 | $242 |
| Carroll County, GA | $2,000 | $814 | $2,814 | $591 | $2,591 | $222 |
| Home Insurance Company Cherokee County, AL | Homeowners Insurance Agency Cherokee County, AL | Address | Popularity Score | Distance from Cherokee County (miles) |
|---|---|---|---|---|
| State Farm | Kim Lee | 28254 State Highway 75, Oneonta, AL, 35121-1659 | 48.7 | |
| Allstate | Cody Coffey | 1553 Chesnut Byp, Centre, AL, 35960 | 6.8 | |
| Travelers | Dormon & Reynolds Insurance Inc | 1227 Leighton Ave, Anniston, AL, 36207 | 29.8 | |
| Allstate | Tyler Elliott | 305 W Grand Ave, Rainbow City, AL, 35906 | 23.6 | |
| Travelers | Gadsden Insurance Services Llc | 800 S 4th St, Gadsden, AL, 35901 | 20.7 | |
| Travelers | Johnson Insurance Agency | 819-C W Main St, Centre, AL, 35960 | 6.1 | |
| Travelers | Attain Insurance | 611 Gault Ave S, Fort Payne, AL, 35967 | 25.7 | |
| State Farm | Thomas W Norwood | 700 E Laurel Street, Scottsboro, AL, 35768-1046 | 46.7 | |
| State Farm | Todd Davis | 736 Walnut St, Gadsden, AL, 35901-4139 | 20.7 | |
| Travelers | Union State Insurance Inc | 1920 1st Ave N, Pell City, AL, 35125 | 49.3 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Alabama | $132,100 | $1,168 | $810 | $1,650 | $840 |
| Cherokee County, AL | $116,300 | $911 | $620 | $1,250 | $630 |
| Cherokee County, AL | $116,300 | $911 | $610 | $1,300 | $690 |
| Ballplay, AL | $68,300 | $774 | $530 | $1,070 | $540 |
| Saks, AL | $97,900 | $820 | $570 | $1,160 | $590 |
| Lindale, GA | $83,100 | $643 | $440 | $920 | $480 |
| Rainsville, AL | $116,400 | $1,084 | $780 | $1,540 | $760 |
| Hammondville, AL | $128,900 | $1,151 | $790 | $1,650 | $860 |
| Albertville, AL | $114,700 | $903 | $640 | $1,290 | $650 |
| Trion, GA | $50,300 | $827 | $560 | $1,180 | $620 |
| Grant, AL | $142,900 | $867 | $600 | $1,210 | $610 |
| Morrison Crossroads, AL | $85,600 | $896 | $650 | $1,270 | $620 |
| Carroll County, GA | $119,600 | $824 | $570 | $1,180 | $610 |