Gavop shows you how to buy homeowners insurance in Troy, AL by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Troy, 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 5529, Jernigan St, N 3 Notch St, Grimes St, Emily, Standard St, Charold Ct, Demp Walker Dr, Griffin St, W Hodges St | $167,500 | $160,000 | $150,000-$175,000 | $63,500 | $50,000 | $50,000-$75,000 |
| Henderson Dr, Luther Dr, Watkins St, China St, Anna Dr, Oak Rd, Eagle Dr, Linda Ln, Sandy Ln, Sycamore Dr | $165,500 | $150,000 | $150,000-$175,000 | $157,500 | $140,000 | $175,000-$200,000 |
| Lamar St, Co Rd 7749, Market St, Pike County Lake Rd, N Three Notch St, E Fairview Ave, Chase Ln, Cox St, Suntrace Trailer Park, Forest Ter | $135,000 | $120,000 | $150,000-$175,000 | $154,500 | $150,000 | $150,000-$175,000 |
| N Franklin Dr, Carroll St, Co Rd 27, Ruth Rd, Diana St, Gamble St, Co Rd 39, Normal Ave, Stella Dr, Holland Aly | $160,000 | $140,000 | $150,000-$175,000 | $152,000 | $140,000 | $125,000-$150,000 |
| Camellia St, Cedar Dr, Banks St, Grace Rd, Cherry St, Co Rd 5532, Butter and Egg Rd, Live Oak, State Rte 15, Sun St | $260,500 | $250,000 | $250,000-$300,000 | $210,000 | $190,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$124 | $759 |
| Superior Protection Discount | -$88 | $794 |
| Fire & Security Discount | -$79 | $803 |
| Hail Resistant Roof Discount | -$18 | $865 |
| Newly Constructed Home Discount | -$221 | $662 |
| 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 |
| Pike County | $1,500 | $990 | $2,490 | $720 | $2,220 | $271 |
| Troy, AL | $2,000 | $872 | $2,872 | $634 | $2,634 | $238 |
| Glenwood, AL | $200 | $525 | $725 | $381 | $581 | $143 |
| Ariton, AL | $2,000 | $1,005 | $3,005 | $730 | $2,730 | $275 |
| Fitzpatrick, AL | $200 | $1,268 | $1,468 | $921 | $1,121 | $346 |
| Barbour County, AL | $1,000 | $764 | $1,764 | $555 | $1,555 | $209 |
| Greenville, AL | $100 | $819 | $919 | $595 | $695 | $224 |
| Newton, AL | $700 | $932 | $1,632 | $677 | $1,377 | $255 |
| Kinston, AL | $200 | $932 | $1,132 | $677 | $877 | $255 |
| Bakerhill, AL | $2,500 | $881 | $3,381 | $640 | $3,140 | $241 |
| Newville, AL | $300 | $754 | $1,054 | $548 | $848 | $206 |
| Kinsey, AL | $1,000 | $893 | $1,893 | $649 | $1,649 | $244 |
| Home Insurance Company Troy, AL | Homeowners Insurance Agency Troy, AL | Address | Popularity Score | Distance from Troy (miles) |
|---|---|---|---|---|
| State Farm | Ken Bishop | 2101 Eastern Blvd Ste 111, Montgomery, AL, 36117-1610 | 41.8 | |
| State Farm | Al Snellgrove | 1384 S Forest Ave, Luverne, AL, 36049-7311 | 19.7 | |
| Allstate | David Brooks | 1831 E Three Notch St, Andalusia, AL, 36421 | 44.1 | |
| Travelers | The Chandler Insurance Agency Llc | 2800 Zelda Road Suite 200-7, Montgomery, AL, 36106 | 43.4 | |
| State Farm | Clay Carroll | 2531 Bell Rd, Montgomery, AL, 36117-4369 | 40.8 | |
| State Farm | Cedric Bradford | 420 S Lawrence St, Montgomery, AL, 36104-4220 | 45.3 | |
| Farmers | Amy Walker | 3260 W Main St, Dothan, AL, 36305 | 49.0 | |
| State Farm | Breck Honea | 61 Market Pl Ste A, Montgomery, AL, 36117-4910 | 43.1 | |
| State Farm | Charles Smith | 2135 Taylor Rd, Montgomery, AL, 36117-3422 | 40.7 | |
| Allstate | Kip Lowe | 4722 Woodmere Blvd, Montgomery, AL, 36106 | 42.3 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Alabama | $132,100 | $1,168 | $780 | $1,600 | $820 |
| Pike County, AL | $109,200 | $1,002 | $720 | $1,420 | $700 |
| Troy, AL | $147,300 | $882 | $590 | $1,210 | $620 |
| Glenwood, AL | $38,400 | $531 | $360 | $750 | $390 |
| Ariton, AL | $104,700 | $1,017 | $730 | $1,450 | $720 |
| Fitzpatrick, AL | $156,700 | $1,283 | $860 | $1,820 | $960 |
| Barbour County, AL | $89,300 | $774 | $560 | $1,070 | $510 |
| Greenville, AL | $99,700 | $829 | $610 | $1,170 | $560 |
| Newton, AL | $92,700 | $943 | $670 | $1,350 | $680 |
| Kinston, AL | $92,700 | $943 | $650 | $1,330 | $680 |
| Bakerhill, AL | $85,000 | $892 | $640 | $1,280 | $640 |
| Newville, AL | $66,800 | $763 | $550 | $1,050 | $500 |
| Kinsey, AL | $86,700 | $904 | $610 | $1,240 | $630 |