Gavop shows you how to buy homeowners insurance in Douglas, AL by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $40,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $115,000 | $110,000 | $100,000-$125,000 |
| 3 Bedroom | $96,000 | $80,000 | $75,000-$100,000 |
| 4 Bedroom | $109,500 | $100,000 | $75,000-$100,000 |
| 5 Bedroom | $187,500 | $170,000 | $175,000-$200,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$103 | $586 |
| Superior Protection Discount | -$69 | $621 |
| Fire & Security Discount | -$69 | $621 |
| Hail Resistant Roof Discount | -$14 | $676 |
| Newly Constructed Home Discount | -$193 | $497 |
| 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 |
| Marshall County | $1,500 | $1,007 | $2,507 | $732 | $2,232 | $275 |
| Douglas, AL | $2,000 | $681 | $2,681 | $495 | $2,495 | $186 |
| Albertville-Boaz, AL | $100 | $1,033 | $1,133 | $751 | $851 | $282 |
| Guntersville, AL | $1,500 | $854 | $2,354 | $621 | $2,121 | $233 |
| Sardis City, AL | $400 | $1,168 | $1,568 | $849 | $1,249 | $319 |
| Ivalee, AL | $700 | $1,255 | $1,955 | $912 | $1,612 | $343 |
| Arab, AL | $400 | $806 | $1,206 | $586 | $986 | $220 |
| Wills Valley, AL | $700 | $871 | $1,571 | $633 | $1,333 | $238 |
| Rainbow City, AL | $300 | $881 | $1,181 | $640 | $940 | $241 |
| Alexandria-Webster Chapel, AL | $1,000 | $903 | $1,903 | $656 | $1,656 | $247 |
| Warrior, AL | $1,500 | $916 | $2,416 | $666 | $2,166 | $250 |
| Home Insurance Company Douglas, AL | Homeowners Insurance Agency Douglas, AL | Address | Popularity Score | Distance from Douglas (miles) |
|---|---|---|---|---|
| Allstate | Michael Higdon | 1024 Blount Ave, Guntersville, AL, 35976 | 11.8 | |
| Allstate | Cory Bline | 141 Magnolia St, Lincoln, AL, 35096 | 41.3 | |
| Allstate | Tyler Elliott | 305 W Grand Ave, Rainbow City, AL, 35906 | 21.9 | |
| Farmers | Jay Rains | 201 E Mckinney Ave Ste B, Albertville, AL, 35950 | 9.2 | |
| State Farm | Alan Murphy | 227 Cullman Rd, Arab, AL, 35016-1356 | 13.8 | |
| State Farm | Mike Hawkins | 333 Whitesport Dr Sw Ste 102, Huntsville, AL, 35801-3455 | 38.1 | |
| Farmers | Tom Gant | 1820 Cogswell Ave, Pell City, AL, 35125 | 41.0 | |
| Allstate | James F. Smith | 415 Church St Nw Ste 131b, Huntsville, AL, 35801 | 41.2 | |
| State Farm | Keith Holland | 201 N Main St Ste E, Boaz, AL, 35957-1643 | 9.0 | |
| State Farm | Jerri Burnett | 2725 Moody Pkwy, Moody, AL, 35004-3152 | 42.1 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Alabama | $132,100 | $1,168 | $830 | $1,670 | $840 |
| Marshall County, AL | $118,500 | $1,019 | $690 | $1,420 | $730 |
| Douglas, AL | $74,800 | $690 | $480 | $990 | $510 |
| Albertville-Boaz, AL | $109,700 | $1,046 | $700 | $1,470 | $770 |
| Guntersville, AL | $142,000 | $865 | $620 | $1,220 | $600 |
| Sardis City, AL | $135,000 | $1,182 | $790 | $1,680 | $890 |
| Ivalee, AL | $153,900 | $1,270 | $860 | $1,790 | $930 |
| Arab, AL | $128,200 | $816 | $560 | $1,130 | $570 |
| Wills Valley, AL | $83,500 | $882 | $640 | $1,250 | $610 |
| Rainbow City, AL | $150,200 | $892 | $600 | $1,270 | $670 |
| Alexandria-Webster Chapel, AL | $117,000 | $914 | $670 | $1,260 | $590 |
| Warrior, AL | $120,000 | $927 | $630 | $1,310 | $680 |