Gavop's guide to buying homeowners insurance in Spanish Fort, 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.
| Spanish Fort, 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 | |
| Vinson Rd, Landsdown Dr, Dixon Rd, Watch Tower, Nesting Eagle Ct, M G Watson Ln, Clopton Rd, Downer Ln, Red Hill Rd, Grove St | $185,000 | $150,000 | $150,000-$175,000 | $94,000 | $80,000 | $100,000-$125,000 |
| Meadow Cir, Newberry Rd, Leslie Ln, Preakness Ct, Redman Ln, Bridgewood Ln, Knox Lndg, Appomatox Dr, Newport Ln, Buckingham Blvd | $214,500 | $190,000 | $200,000-$250,000 | $253,000 | $230,000 | $250,000-$300,000 |
| Mockingbird Ln, Bill Steege Rd, Charles Wesley Ln, Bulb Dr, Cameron Ln, Cannonade Blvd, Black Oak Way, Country Club Dr, T A Chastang Rd, Smith Rd | $169,000 | $150,000 | $175,000-$200,000 | $123,500 | $110,000 | $125,000-$150,000 |
| Coles Ct, Ogden Ave, High Pines Ridge, Majors Ct, Brentwood Dr, Bridges Dr W, Co Rd 39, N Creek Cir, Holley Ct, Duck Ln | $142,000 | $120,000 | $125,000-$150,000 | $182,500 | $170,000 | $200,000-$250,000 |
| Forrest Ct, Odom Ln, Rock Creek Pkwy, Van Buren St, Ponce de Leon Dr, Windy Woods, Holly Ln, Cambron Trl, Ann Ave, Fresh Water Dr | $185,500 | $160,000 | $200,000-$250,000 | $125,000 | $120,000 | $100,000-$125,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$193 | $823 |
| Superior Protection Discount | -$91 | $925 |
| Fire & Security Discount | -$91 | $925 |
| Hail Resistant Roof Discount | -$30 | $986 |
| Newly Constructed Home Discount | -$244 | $773 |
| 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 |
| Baldwin County | $2,500 | $1,232 | $3,732 | $895 | $3,395 | $337 |
| Spanish Fort, AL | $700 | $1,004 | $1,704 | $730 | $1,430 | $274 |
| Daphne, AL | $400 | $1,338 | $1,738 | $973 | $1,373 | $366 |
| Gulf Shores, AL | $700 | $991 | $1,691 | $720 | $1,420 | $271 |
| Gonzalez, FL | $300 | $1,037 | $1,337 | $753 | $1,053 | $283 |
| Big Point, MS | $1,500 | $1,562 | $3,062 | $1,135 | $2,635 | $427 |
| Dauphin Island, AL | $400 | $1,517 | $1,917 | $1,102 | $1,502 | $414 |
| Brent, FL | $2,000 | $792 | $2,792 | $575 | $2,575 | $216 |
| Pine Level, FL | $200 | $877 | $1,077 | $638 | $838 | $240 |
| Pascagoula, MS | $2,000 | $803 | $2,803 | $583 | $2,583 | $219 |
| Home Insurance Company Spanish Fort, AL | Homeowners Insurance Agency Spanish Fort, AL | Address | Popularity Score | Distance from Spanish Fort (miles) |
|---|---|---|---|---|
| Travelers | The Paul Carter Agency | 5809 Grelot Rd, Mobile, AL, 36609 | 19.0 | |
| State Farm | Jason Young | 605 Dolive St, Bay Minette, AL, 36507-3123 | 11.9 | |
| State Farm | Jim Golemon | 28796 Us Highway 98, Daphne, AL, 36526-7260 | 6.1 | |
| Allstate | Craig F. Smith | 1501 Us Highway 98, Daphne, AL, 36526 | 8.7 | |
| Nationwide | Bailey Agency Inc | 3700 K Government Blvd, Mobile, AL, 36693 | 16.4 | |
| Farmers | Brian Sanderson | 30 Schillinger Rd N Ste 102, Mobile, AL, 36608 | 21.5 | |
| Farmers | Martin Kennedy | 9794 Timber Cir Ste B, Spanish Fort, AL, 36527 | 3.5 | |
| Farmers | Sheila Booth | 809a Daphne Ave, Daphne, AL, 36526 | 8.5 | |
| Liberty Mutual Independent | Thomas Harrison & Associates | 26436 Kensington Place 26436 Kensington Place, Daphne, AL, 36526 | 8.0 | |
| State Farm | Judy Mckee | 3263 Demetropolis Rd Ste 7, Mobile, AL, 36693-4638 | 18.7 |
| 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 | $1,620 | $830 |
| Baldwin County, AL | $182,000 | $1,247 | $860 | $1,730 | $870 |
| Spanish Fort, AL | $259,200 | $1,017 | $690 | $1,400 | $710 |
| Daphne, AL | $217,600 | $1,355 | $920 | $1,940 | $1,020 |
| Gulf Shores, AL | $251,100 | $1,003 | $690 | $1,420 | $730 |
| Gonzalez, FL | $159,200 | $1,049 | $820 | $1,410 | $590 |
| Big Point, MS | $186,100 | $1,581 | $1,150 | $2,250 | $1,100 |
| Dauphin Island, AL | $227,500 | $1,535 | $1,110 | $2,100 | $990 |
| Brent, FL | $82,000 | $801 | $630 | $1,070 | $440 |
| Pine Level, FL | $72,300 | $888 | $690 | $1,190 | $500 |
| Pascagoula, MS | $106,900 | $813 | $590 | $1,150 | $560 |