Gavop's guide to buying homeowners insurance in Rainbow City, 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.
| Rainbow City, 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 | |
| Warwick Pl, Country Creek Rd, Emerson St, Woodmar Dr, Sutton Sq, Lumley Rd, Horse Shoe Bend, Whorton Dr, Alcott Rd, Mooly | $145,500 | $130,000 | $125,000-$150,000 | $115,500 | $90,000 | $125,000-$150,000 |
| Hammonds Ln, Windsor Ln, English Ln, Ridgeway Ave, Shawnee Dr, Eddie Cir, E Grand Ave, Sunset Dr, Julie St, Anna Dr | $159,000 | $130,000 | $125,000-$150,000 | $132,000 | $110,000 | $100,000-$125,000 |
| Minnesota Bend Trl, Cordell St, Carolyns Way, Cherry Laurel Rd, Carlisle Way, Rock Bridge Rd, Cambridge Ct, Shady Ln, Ramsey St, Wellington Pl | $179,000 | $150,000 | $175,000-$200,000 | $127,500 | $110,000 | $100,000-$125,000 |
| Nelson St, Baptist Health Center Dr, E Greenview Ave, Maple Dr, Newton St, Creekview Dr, Williams Ave, Old Red Barn Rd, Carolwood Cv, Brothers Rd | $207,500 | $180,000 | $150,000-$175,000 | $175,500 | $150,000 | $200,000-$250,000 |
| Elam Cir, Oliver Dr, Babe Jackson Dr, Creek Haven Rd, Keith Rd, Lakeshore Dr, Montclair Dr, Chrislyn Dr, Pineapple St, Waldrop Rd | $124,000 | $110,000 | $125,000-$150,000 | $115,000 | $90,000 | $125,000-$150,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$80 | $811 |
| Home and Two Car | -$143 | $749 |
| Home and Three Car | -$214 | $678 |
| 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 |
| Etowah County | $2,500 | $967 | $3,467 | $702 | $3,202 | $264 |
| Rainbow City, AL | $2,000 | $881 | $2,881 | $640 | $2,640 | $241 |
| Alexandria-Webster Chapel, AL | $500 | $903 | $1,403 | $656 | $1,156 | $247 |
| Ragland, AL | $2,500 | $900 | $3,400 | $654 | $3,154 | $246 |
| Rosa, AL | $100 | $997 | $1,097 | $724 | $824 | $272 |
| Argo, AL | $2,500 | $1,327 | $3,827 | $964 | $3,464 | $363 |
| Smoke Rise, AL | $2,000 | $1,305 | $3,305 | $948 | $2,948 | $357 |
| Gardendale, AL | $100 | $883 | $983 | $642 | $742 | $241 |
| Clay County, AL | $2,000 | $764 | $2,764 | $555 | $2,555 | $209 |
| New Hope, AL | $500 | $931 | $1,431 | $677 | $1,177 | $255 |
| Brook Highland, AL | $1,500 | $994 | $2,494 | $723 | $2,223 | $272 |
| Home Insurance Company Rainbow City, AL | Homeowners Insurance Agency Rainbow City, AL | Address | Popularity Score | Distance from Rainbow City (miles) |
|---|---|---|---|---|
| Allstate | Breck Price | 470 Riverhills Business Park, Birmingham, AL, 35242 | 49.6 | |
| Allstate | Tyler Elliott | 305 W Grand Ave, Rainbow City, AL, 35906 | 3.2 | |
| State Farm | Paul Harris | 915 W Meighan Blvd, Gadsden, AL, 35901-3327 | 7.4 | |
| Farmers | Phillip Fikes | 105 Locust St Ste 1c, Gadsden, AL, 35901 | 7.5 | |
| Allstate | Eyal Ron | 3900 Montclair Rd Ste 280, Birmingham, AL, 35213 | 48.7 | |
| Travelers | Shannon & Banks Inc | 200 Chestnut St, Gadsden, AL, 35901 | 7.4 | |
| State Farm | Hobie Hobart | 1311 Decatur Hwy Ste A, Fultondale, AL, 35068-1737 | 46.7 | |
| State Farm | Matthew Maniscalco | 250 Davis Loop, Oxford, AL, 36203-3454 | 27.5 | |
| Travelers | Best Insurance Agency Llc | 122 Chalkville Rd, Trussville, AL, 35173 | 36.9 | |
| Farmers | David Porter | 3229 Veterans Cir Ste 115, Birmingham, AL, 35235 | 39.4 |
| 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 | $1,610 | $830 |
| Etowah County, AL | $105,100 | $978 | $710 | $1,340 | $630 |
| Rainbow City, AL | $150,200 | $892 | $640 | $1,230 | $590 |
| Alexandria-Webster Chapel, AL | $117,000 | $914 | $620 | $1,300 | $680 |
| Ragland, AL | $116,500 | $911 | $620 | $1,290 | $670 |
| Rosa, AL | $103,400 | $1,009 | $680 | $1,440 | $760 |
| Argo, AL | $171,200 | $1,343 | $930 | $1,910 | $980 |
| Smoke Rise, AL | $165,700 | $1,321 | $890 | $1,890 | $1,000 |
| Gardendale, AL | $150,800 | $894 | $650 | $1,260 | $610 |
| Clay County, AL | $89,300 | $774 | $530 | $1,060 | $530 |
| New Hope, AL | $167,000 | $943 | $680 | $1,310 | $630 |
| Brook Highland, AL | $343,500 | $1,007 | $670 | $1,390 | $720 |