Gavop shows you how to buy homeowners insurance in Lauderdale 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.
| Lauderdale 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 25, Elis St, Co Rd 312, Wheeler Dam Hwy Hwy 101, Co Rd 471, Conner St, Horseshoe Bend, Lauderdale County 351, Pinehaven Dr, Kerry Dr | $137,000 | $120,000 | $125,000-$150,000 | $69,500 | $60,000 | $75,000-$100,000 |
| Co Rd 455, Carolina Dr, E Tombigbee St, Thurman St, Co Rd 184, Foxtail Run, Co Rd 333, Jacksonburg Rd, Ricter Rd, Duntreath Ave | $96,000 | $80,000 | $100,000-$125,000 | $118,500 | $100,000 | $100,000-$125,000 |
| Harding St, Co Rd 224, Lauderdale County 586, Middle Rd, Myrtle Dr, W Rasch Rd, Lauderdale County 109, School Church St, Co Rd 76, Augusta St | $83,000 | $70,000 | $75,000-$100,000 | $112,000 | $100,000 | $100,000-$125,000 |
| Long Ln, Co Rd 480, Van Fleet Dr, Crawford Dr, Co Rd 508, Co Rd 620, Olive Dr, Co Rd 231, S Weakley St, Lauderdale County 142 | $84,000 | $70,000 | $75,000-$100,000 | $88,500 | $70,000 | $75,000-$100,000 |
| Natchez Trl, Plantation Springs Dr, Co Rd 460, Co Rd 325, Co Rd 400, Lauderdale County 354, Lauderdale County 161, Lauderdale County 121, Co Rd 476, N West Lakeside Dr | $164,500 | $140,000 | $150,000-$175,000 | $134,000 | $120,000 | $125,000-$150,000 |
| Bradford St, Co Rd 559, Neason Dr, Lauderdale County 147, Garfield Ave, E Lelia St, Co Rd 92, Minniehaha St, Lauderdale County 425, S Smith St | $110,500 | $100,000 | $75,000-$100,000 | $77,000 | $60,000 | $50,000-$75,000 |
| Lauderdale County 305, E Reeder St, Cullman St, Co Rd 485, W Mobile St, Benita Dr, Lauderdale County 183, Co Rd 76, Echo Ct, Lauderdale County 63 | $76,500 | $60,000 | $75,000-$100,000 | $65,500 | $50,000 | $50,000-$75,000 |
| Cox Cemetery Rd, Sunset Beach Rd, Co Rd 88, Lauderdale County 528, Country Club Dr, Sharon Dr, W Cleveland Ave, Lauderdale County 294, Lauderdale County 11, Bridlewood Dr | $117,000 | $110,000 | $125,000-$150,000 | $87,000 | $70,000 | $75,000-$100,000 |
| E Rasch Rd, Co Rd 280, Maplewood Dr, Lauderdale County 404, Martin St, State Line Rd, Deer Trail Ln, Co Rd 80, Circular Rd, N Patton St | $185,500 | $150,000 | $200,000-$250,000 | $129,500 | $120,000 | $100,000-$125,000 |
| Prospect St, Co Rd 466, Deer Cliff Rd, Olive St, Branch St, Lauderdale County 566, Leona Dr, E Lakeside Dr, Lauderdale County 145, Co Rd 160 | $139,000 | $120,000 | $125,000-$150,000 | $104,500 | $100,000 | $100,000-$125,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$201 | $859 |
| Superior Protection Discount | -$106 | $954 |
| Fire & Security Discount | -$74 | $986 |
| Hail Resistant Roof Discount | -$32 | $1,028 |
| Newly Constructed Home Discount | -$265 | $795 |
| 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 |
| Lauderdale County | $2,000 | $1,047 | $3,047 | $761 | $2,761 | $286 |
| Lauderdale County, AL | $1,000 | $1,047 | $2,047 | $761 | $1,761 | $286 |
| Florence, AL | $300 | $1,045 | $1,345 | $759 | $1,059 | $286 |
| Tuscumbia, AL | $1,000 | $856 | $1,856 | $622 | $1,622 | $234 |
| Littleville, AL | $200 | $759 | $959 | $552 | $752 | $208 |
| Lester, AL | $2,000 | $901 | $2,901 | $655 | $2,655 | $246 |
| Tishomingo County, MS | $100 | $814 | $914 | $592 | $692 | $222 |
| Clifton, TN | $2,500 | $921 | $3,421 | $669 | $3,169 | $252 |
| Moulton, AL | $100 | $899 | $999 | $653 | $753 | $246 |
| Summertown, TN | $1,500 | $805 | $2,305 | $585 | $2,085 | $220 |
| Elkton, TN | $400 | $1,007 | $1,407 | $732 | $1,132 | $275 |
| Stantonville, TN | $700 | $763 | $1,463 | $554 | $1,254 | $208 |
| Home Insurance Company Lauderdale County, AL | Homeowners Insurance Agency Lauderdale County, AL | Address | Popularity Score | Distance from Lauderdale County (miles) |
|---|---|---|---|---|
| State Farm | Parke Cochran | 883 Cox Creek Pkwy, Florence, AL, 35630-1003 | 4.5 | |
| State Farm | Steve Pierce | 3001 Cloverdale Rd, Florence, AL, 35633-1477 | 4.5 | |
| Allstate | Michael Bange | 3246 Florence Blvd, Florence, AL, 35634 | 5.3 | |
| Travelers | Benson Insurance Agency Inc | 1224 Helton Dr, Florence, AL, 35630 | 6.1 | |
| Allstate | Christian Hetrick | 4039 Florence Blvd, Florence, AL, 35634 | 5.6 | |
| State Farm | Michael Howell | 903 S Clinton St, Athens, AL, 35611-3562 | 39.8 | |
| State Farm | Britt Blanton | 365 Highway 72 Ste 2, Killen, AL, 35645-2841 | 6.1 | |
| State Farm | Jason Parker | 2506 Avalon Ave, Muscle Shoals, AL, 35661-3124 | 11.0 | |
| Allstate | Randall Larry Hester | 1810 John R St, Muscle Shoals, AL, 35661 | 11.0 | |
| Allstate | Justin James | 2811 W Mall Dr, Florence, AL, 35630 | 4.5 |
| 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 | $1,660 | $820 |
| Lauderdale County, AL | $126,800 | $1,060 | $720 | $1,490 | $770 |
| Lauderdale County, AL | $126,800 | $1,060 | $730 | $1,450 | $720 |
| Florence, AL | $126,200 | $1,057 | $710 | $1,510 | $800 |
| Tuscumbia, AL | $107,300 | $867 | $600 | $1,200 | $600 |
| Littleville, AL | $88,500 | $769 | $530 | $1,100 | $570 |
| Lester, AL | $88,000 | $912 | $670 | $1,270 | $600 |
| Tishomingo County, MS | $82,700 | $824 | $560 | $1,170 | $610 |
| Clifton, TN | $116,100 | $932 | $620 | $1,320 | $700 |
| Moulton, AL | $116,100 | $910 | $620 | $1,260 | $640 |
| Summertown, TN | $86,900 | $815 | $560 | $1,120 | $560 |
| Elkton, TN | $143,100 | $1,019 | $720 | $1,450 | $730 |
| Stantonville, TN | $77,500 | $772 | $530 | $1,100 | $570 |