Gavop's guide to buying homeowners insurance in Alexandria-Webster Chapel, 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $35,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $83,000 | $80,000 | $75,000-$100,000 |
| 3 Bedroom | $97,500 | $80,000 | $100,000-$125,000 |
| 4 Bedroom | $185,000 | $150,000 | $150,000-$175,000 |
| 5 Bedroom | $277,500 | $230,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$165 | $749 |
| Superior Protection Discount | -$82 | $832 |
| Fire & Security Discount | -$101 | $813 |
| Hail Resistant Roof Discount | -$18 | $896 |
| Newly Constructed Home Discount | -$256 | $658 |
| 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 |
| Calhoun County | $1,000 | $964 | $1,964 | $700 | $1,700 | $263 |
| Webster Chapel, AL | $1,000 | $903 | $1,903 | $656 | $1,656 | $247 |
| Rainbow City, AL | $300 | $881 | $1,181 | $640 | $940 | $241 |
| Ivalee, AL | $700 | $1,255 | $1,955 | $912 | $1,612 | $343 |
| Lincoln, AL | $400 | $819 | $1,219 | $595 | $995 | $224 |
| Centre, AL | $700 | $791 | $1,491 | $575 | $1,275 | $216 |
| Ashland, AL | $100 | $739 | $839 | $537 | $637 | $202 |
| Bremen, GA | $700 | $731 | $1,431 | $531 | $1,231 | $200 |
| Grayson Valley, AL | $500 | $781 | $1,281 | $568 | $1,068 | $213 |
| Rainsville-Sylvania, AL | $700 | $876 | $1,576 | $637 | $1,337 | $240 |
| Joppa, AL | $300 | $908 | $1,208 | $660 | $960 | $248 |
| Temple, GA | $2,000 | $669 | $2,669 | $486 | $2,486 | $183 |
| Home Insurance Company Webster Chapel, AL | Homeowners Insurance Agency Webster Chapel, AL | Address | Popularity Score | Distance from Webster Chapel (miles) |
|---|---|---|---|---|
| Allstate | Tyler Elliott | 305 W Grand Ave, Rainbow City, AL, 35906 | 11.8 | |
| Travelers | Talladega Insurance Agency | 109 N Spring St, Talladega, AL, 35160 | 30.9 | |
| Allstate | Billy Kemp | 1197 Highway 77, Southside, AL, 35907 | 9.8 | |
| State Farm | Larry Currie | 425 East 10th Street, Anniston, AL, 36207-4789 | 13.7 | |
| State Farm | Alan Murphy | 227 Cullman Rd, Arab, AL, 35016-1356 | 47.5 | |
| Liberty Mutual Independent | Shannon & Banks Inc | 200 Chestnut St, Gadsden, AL, 35901 | 13.0 | |
| Allstate | Scott Blackstone | 215 N 3rd St, Gadsden, AL, 35901 | 13.1 | |
| Allstate | Ronald Hall | 9729 Parkway E, Birmingham, AL, 35215 | 49.1 | |
| Liberty Mutual Independent | Shannon & Banks Inc | 200 Chestnut St, Ste B, Gadsden, AL, 35901 | 13.0 | |
| State Farm | Jp Dailey | 1911 Martin Street South, Pell City, AL, 35128-2372 | 29.2 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Alabama | $132,100 | $1,168 | $850 | $1,620 | $770 |
| Calhoun County, AL | $110,100 | $976 | $650 | $1,340 | $690 |
| Webster Chapel, AL | $117,000 | $914 | $670 | $1,300 | $630 |
| Rainbow City, AL | $150,200 | $892 | $630 | $1,230 | $600 |
| Ivalee, AL | $153,900 | $1,270 | $930 | $1,800 | $870 |
| Lincoln, AL | $99,800 | $829 | $570 | $1,180 | $610 |
| Centre, AL | $124,100 | $801 | $580 | $1,130 | $550 |
| Ashland, AL | $84,700 | $748 | $510 | $1,050 | $540 |
| Bremen, GA | $126,300 | $740 | $530 | $1,060 | $530 |
| Grayson Valley, AL | $121,400 | $791 | $580 | $1,110 | $530 |
| Rainsville-Sylvania, AL | $111,400 | $887 | $600 | $1,220 | $620 |
| Joppa, AL | $89,100 | $919 | $630 | $1,260 | $630 |
| Temple, GA | $110,900 | $677 | $490 | $960 | $470 |