Gavop shows you how to buy homeowners insurance in Hanceville, 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 | $43,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $108,000 | $100,000 | $100,000-$125,000 |
| 3 Bedroom | $106,500 | $100,000 | $100,000-$125,000 |
| 4 Bedroom | $232,000 | $220,000 | $175,000-$200,000 |
| 5 Bedroom | $157,500 | $130,000 | $175,000-$200,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$141 | $642 |
| Superior Protection Discount | -$70 | $712 |
| Fire & Security Discount | -$70 | $712 |
| Hail Resistant Roof Discount | -$23 | $759 |
| Newly Constructed Home Discount | -$157 | $626 |
| 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 |
| Cullman County | $1,500 | $1,025 | $2,525 | $745 | $2,245 | $280 |
| Hanceville, AL | $2,000 | $773 | $2,773 | $562 | $2,562 | $211 |
| Hartselle, AL | $500 | $860 | $1,360 | $625 | $1,125 | $235 |
| Somerville, AL | $1,500 | $896 | $2,396 | $651 | $2,151 | $245 |
| New Union, AL | $200 | $882 | $1,082 | $641 | $841 | $241 |
| Jefferson County, AL | $1,500 | $1,148 | $2,648 | $834 | $2,334 | $314 |
| Steele, AL | $500 | $833 | $1,333 | $605 | $1,105 | $228 |
| St. Clair County, AL | $1,000 | $1,121 | $2,121 | $815 | $1,815 | $306 |
| Meadowbrook, AL | $500 | $951 | $1,451 | $691 | $1,191 | $260 |
| Westover, AL | $1,500 | $1,360 | $2,860 | $989 | $2,489 | $372 |
| Lincoln, AL | $400 | $819 | $1,219 | $595 | $995 | $224 |
| Glencoe, AL | $1,000 | $823 | $1,823 | $598 | $1,598 | $225 |
| Home Insurance Company Hanceville, AL | Homeowners Insurance Agency Hanceville, AL | Address | Popularity Score | Distance from Hanceville (miles) |
|---|---|---|---|---|
| State Farm | Kim Lee | 28254 State Highway 75, Oneonta, AL, 35121-1659 | 18.6 | |
| Farmers | Gary Gibbs | 220 4th Ave Se, Cullman, AL, 35055 | 10.7 | |
| Farmers | Gerald Trevarthen | 909a Graham St Sw, Cullman, AL, 35055 | 9.5 | |
| State Farm | Shirley Quattlebaum | 905 2nd Avenue Sw, Cullman, AL, 35055-4224 | 10.0 | |
| State Farm | Tim Barron | 151 Hughes Rd Ste A, Madison, AL, 35758-1100 | 46.6 | |
| Travelers | Virgil B Fowler Insurance Agency | 806 2nd Ave Sw, Cullman, AL, 35055 | 10.1 | |
| State Farm | Katherine Morgan | 909 Fisher St Sw, Cullman, AL, 35055-5563 | 8.7 | |
| State Farm | Tonya Wilson | 1624 1st Ave Sw, Cullman, AL, 35055-5384 | 9.5 | |
| State Farm | John Patterson | 1807 11th Ave S, Birmingham, AL, 35205-4807 | 36.4 | |
| Farmers | Tonya Williams | 903 County Road 437, Cullman, AL, 35055 | 7.6 |
| 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 | $1,650 | $860 |
| Cullman County, AL | $121,900 | $1,037 | $720 | $1,420 | $700 |
| Hanceville, AL | $91,100 | $783 | $570 | $1,110 | $540 |
| Hartselle, AL | $143,800 | $871 | $600 | $1,210 | $610 |
| Somerville, AL | $154,900 | $906 | $630 | $1,280 | $650 |
| New Union, AL | $85,100 | $893 | $610 | $1,280 | $670 |
| Jefferson County, AL | $149,000 | $1,162 | $840 | $1,590 | $750 |
| Steele, AL | $77,800 | $843 | $580 | $1,190 | $610 |
| St. Clair County, AL | $142,800 | $1,135 | $810 | $1,600 | $790 |
| Meadowbrook, AL | $283,400 | $962 | $690 | $1,340 | $650 |
| Westover, AL | $180,100 | $1,377 | $990 | $1,890 | $900 |
| Lincoln, AL | $99,800 | $829 | $560 | $1,140 | $580 |
| Glencoe, AL | $133,000 | $833 | $600 | $1,140 | $540 |