Gavop's guide to buying homeowners insurance in Pelham, 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.
| Pelham, AL - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 4 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Edgewater Ln, Seattle Slew Dr, High Ridge Dr, Ashworth Dr, Wood Poppy Ct, Windsor Ln, Sullivan Dr, High Ridge Trce, Oak Tree Rd, Bold Ruler Ln | $176,000 | $140,000 | $150,000-$175,000 | $237,000 | $200,000 | $175,000-$200,000 |
| Kensington Manor Dr, Valleybrook Trce, Creekview Dr, Stonebridge Cir, Amore Ln, Parkside Cir, Co Rd 66, Southgate Ests, Country Club Ln, Keith Cir | $187,000 | $180,000 | $150,000-$175,000 | $228,000 | $200,000 | $200,000-$250,000 |
| Copena Dr, Dearing Downs Dr, Stonehaven Way, Hwy 361, Bonnie Blue Ln, Bearden Rd, Indianwood Dr, Fire Tower Rd, Chandalar Dr, Pecan Ln | $208,500 | $190,000 | $200,000-$250,000 | $195,000 | $160,000 | $200,000-$250,000 |
| Twelve Oaks Cir, Miller Cir, Dickerson Ln, Dorough Rd, Hill Spun Rd, Ridge View Trl, Heritage View Rd, Chase Brook Cir, Teen Town, Autumn Pl | $255,500 | $220,000 | $250,000-$300,000 | $306,000 | $290,000 | $250,000-$300,000 |
| Chandagreen Ln, Stirrup Cup Cove, McDavid Lake Rd, Little Turtle Dr, Riverchase Office Rd, Mayapple Ct, Tamarac Trce, Cherokee Trl, New Hope Rd, Keith Rd | $232,000 | $210,000 | $175,000-$200,000 | $491,500 | $430,000 | $400,000-$500,000 |
| Smith Rd, Indian Springs Ln, Starkey St, Cherry Bark Ct, Eagle Crest Ct, Narrows Reach, Rabbit Run, Twelve Oaks Dr, Barker Dr, Business Cir | $231,000 | $190,000 | $250,000-$300,000 | $302,500 | $270,000 | $250,000-$300,000 |
| Elizabeth Dr, Deer Crest Cir, Old Brook Cir, Quail Run Dr, Warren Rd, Co Rd 445, Mac Ian Ln, Deerhurst Ln, Dunsmore Dr, Willow Oak Dr | $234,000 | $210,000 | $250,000-$300,000 | $381,500 | $310,000 | $350,000-$400,000 |
| Ashton Woods Dr, Oak Tree Dr, Burningtree Dr, Ozley Rd, Kristen Cir, Winchester Ln, Parkside Dr, Chippewa Ln, Hawk Creek Rd, Valley View Rd | $234,500 | $220,000 | $200,000-$250,000 | $409,000 | $340,000 | $400,000-$500,000 |
| Wooddale Dr, Hayesbury Ln, Pineywood Trce, Lake Point Dr, Runaway Dr, Huntmaster Ln, Norridge Pl, Parkmont Ln, Fox Creek Cir, Keith Dr | $283,500 | $230,000 | $300,000-$350,000 | $507,000 | $410,000 | $500,000-$600,000 |
| Little Rock Dr, N Chandalar Dr, Chandalar Ln, Spinnaker Ln, Co Rd 338, Complex Cir, Matador Dr, Betty Snow Dr, Sunset Ln, Ridgetop Ct | $163,500 | $140,000 | $175,000-$200,000 | $416,000 | $390,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$135 | $831 |
| Superior Protection Discount | -$97 | $870 |
| Fire & Security Discount | -$97 | $870 |
| Hail Resistant Roof Discount | -$29 | $937 |
| Newly Constructed Home Discount | -$271 | $696 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,276 |
| Physical Damage | $2,464 |
| Hail Damage | $4,948 |
| Wind Damage | $6,051 |
| Expensive Claims | |
| Fire | $43,782 |
| Smoke | $17,222 |
| Home Insurance Company Pelham, AL | Homeowners Insurance Agency Pelham, AL | Address | Popularity Score | Distance from Pelham (miles) |
|---|---|---|---|---|
| Farmers | Joseph Buff | 2236 Cahaba Valley Dr Ste 207, Birmingham, AL, 35242 | 7.7 | |
| Allstate | Jay Barker Agency | 3000 Eagle Pt Corp Dr Ste 5, Birmingham, AL, 35242 | 7.0 | |
| Travelers | Trustway | 1837 Montgomery Highway South Suite 105, Hoover, AL, 35244 | 4.7 | |
| State Farm | Ryan Whitson | 1503 Bridge Ave, Northport, AL, 35476-4865 | 48.7 | |
| Allstate | The Marcus Agency | 1442 Montgomery Hwy Ste 201, Vestavia, AL, 35216 | 7.6 | |
| Farmers | Jerry Mcgaha | 198 Narrows Dr Ste 105, Birmingham, AL, 35242 | 5.5 | |
| Allstate | James Anthony | 48 Chesser Crane Rd Ste F, Chelsea, AL, 35043 | 6.8 | |
| Allstate | Buddy Martin | 5690 Highway 43 N Ste C, Northport, AL, 35473 | 50.1 | |
| Farmers | Bobby Molan | 1240 1st St N Ste 207, Alabaster, AL, 35007 | 6.0 | |
| Travelers | Trammel-Harper-Williams Inc | 2073 Valleydale Rd, Birmingham, AL, 35244 | 3.2 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Alabama | $132,100 | $1,168 | $810 | $1,600 | $790 |
| Shelby County, AL | $199,500 | $1,302 | $900 | $1,800 | $900 |
| Pelham, AL | $175,300 | $966 | $650 | $1,320 | $670 |
| Helena, AL | $186,900 | $997 | $730 | $1,430 | $700 |
| Montevallo, AL | $111,400 | $887 | $610 | $1,260 | $650 |
| McDonald Chapel, AL | $54,600 | $668 | $470 | $920 | $450 |
| Vance, AL | $135,000 | $1,182 | $820 | $1,640 | $820 |
| Centreville, AL | $121,700 | $1,113 | $770 | $1,540 | $770 |
| Coosa County, AL | $87,300 | $763 | $560 | $1,060 | $500 |
| Highland Lake, AL | $211,500 | $1,486 | $1,010 | $2,050 | $1,040 |
| Goodwater, AL | $74,300 | $818 | $600 | $1,120 | $520 |
| Tuscaloosa County, AL | $161,700 | $1,213 | $840 | $1,670 | $830 |
| Munford, AL | $142,900 | $867 | $620 | $1,240 | $620 |