How Can I Make My Chelsea, AL Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Chelsea, 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.
Compare Quotes from Top Providers and Save now!
Select the Suitable Coverage Value for your Chelsea, AL Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $103,500 | $90,000 | $100,000-$125,000 |
| 2 Bedroom | $254,000 | $210,000 | $250,000-$300,000 |
| 3 Bedroom | $265,500 | $230,000 | $250,000-$300,000 |
| 4 Bedroom | $350,500 | $300,000 | $350,000-$400,000 |
| 5 Bedroom | $830,000 | $720,000 | $800,000-$900,000 |
Estimate your Savings with Home Insurance Discounts in Chelsea, AL | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$259 | $1,266 |
| Superior Protection Discount | -$153 | $1,373 |
| Fire & Security Discount | -$137 | $1,388 |
| Hail Resistant Roof Discount | -$46 | $1,480 |
| Newly Constructed Home Discount | -$305 | $1,220 |
Choose your Chelsea, AL Home Insurance Coverage for your Specific Claim Requirement | Back to Top
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,854 |
| Physical Damage | $2,344 |
| Hail Damage | $4,900 |
| Wind Damage | $6,624 |
| Expensive Claims | |
| Fire | $46,910 |
| Smoke | $16,553 |
Identify Top Home Insurance Agents near Chelsea, AL | Back to Top
| Home Insurance Company Chelsea, AL | Homeowners Insurance Agency Chelsea, AL | Address | Popularity Score | Distance from Chelsea (miles) |
|---|---|---|---|---|
| Allstate | Jay Barker Agency | 3000 Eagle Pt Corp Dr Ste 5, Birmingham, AL, 35242 | 6.1 | |
| Farmers | Joseph Buff | 2236 Cahaba Valley Dr Ste 207, Birmingham, AL, 35242 | 6.3 | |
| Allstate | Breck Price | 470 Riverhills Business Park, Birmingham, AL, 35242 | 8.0 | |
| Farmers | Robert Hyche | 1200 Corporate Dr Ste 220, Birmingham, AL, 35242 | 6.9 | |
| State Farm | Chester Lewis | 16641 Highway 280 Ste 300, Chelsea, AL, 35043-8354 | 6.3 | |
| State Farm | Jarrod Gibson | 4290 Highway 52 W Ste F, Helena, AL, 35080-5002 | 19.4 | |
| Farmers | Jerry Mcgaha | 198 Narrows Dr Ste 105, Birmingham, AL, 35242 | 7.0 | |
| Travelers | Insurance Office Of America | 3800 Colonnade Pkwy Ste 650, Birmingham, AL, 35243 | 9.7 | |
| Allstate | John Saddler | 1445 Ashville Rd, Leeds, AL, 35094 | 9.5 | |
| State Farm | Brent Flavin | 7350 Cahaba Vly Rd Ste 102, Birmingham, AL, 35242-6318 | 5.9 |
Compare Rates for Chelsea, AL Home Insurance Providers | Back to Top
| 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 | $1,660 | $870 |
| Shelby County, AL | $199,500 | $1,302 | $870 | $1,860 | $990 |
| Chelsea, AL | $286,400 | $1,526 | $1,020 | $2,150 | $1,130 |
| Clay, AL | $170,200 | $952 | $640 | $1,360 | $720 |
| Morris, AL | $179,000 | $1,373 | $990 | $1,950 | $960 |
| Montevallo, AL | $111,400 | $887 | $640 | $1,220 | $580 |
| Allgood, AL | $94,500 | $954 | $690 | $1,350 | $660 |
| Lake View, AL | $196,500 | $1,436 | $960 | $2,040 | $1,080 |
| Sumiton, AL | $132,100 | $1,168 | $850 | $1,610 | $760 |
| Rainbow City, AL | $150,200 | $892 | $620 | $1,270 | $650 |
| Centreville-Brent, AL | $110,400 | $1,051 | $760 | $1,500 | $740 |
| Oakman, AL | $77,500 | $841 | $610 | $1,190 | $580 |
Research Home Insurance Companies Reviews in Chelsea, AL Before Buying | Back to Top
Share a review on your home insurance company
Farmer's Insurance Home Insurance Reviews
Date: September 13, 2019 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Customer Service
I am satisfied with the customer service received. When I call, I am able to speak to a human and have always received prompt answers to my questions.
Date: July 18, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Policy Offerings
I think my insurance policy may be less if I had included it in with my auto insurance policy I currently have (CSAA Insurance), but I have not had any issues with my current insurance policy.
Safeco Insurance Home Insurance Reviews
Date: October 06, 2019 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Premium
the rates are about the same as anywhere else, i think the are reasonable otherwise i wouldnt be paying them, but they are also SLIGHTLY cheaper than other companties i looked into
State Farm Home Insurance Reviews
Date: October 25, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Premium
I think the insurance rates with this company are ridiculous and for what you receive which is nothing more than just always raising the cost it's not worth it