Gavop's guide to buying homeowners insurance in Double Springs, 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $24,500 | $20,000 | $0-$25,000 |
| 2 Bedroom | $85,500 | $80,000 | $50,000-$75,000 |
| 3 Bedroom | $104,000 | $100,000 | $100,000-$125,000 |
| 4 Bedroom | $118,500 | $100,000 | $125,000-$150,000 |
| 5 Bedroom | $168,500 | $160,000 | $175,000-$200,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$97 | $550 |
| Superior Protection Discount | -$58 | $589 |
| Fire & Security Discount | -$71 | $576 |
| Hail Resistant Roof Discount | -$13 | $634 |
| Newly Constructed Home Discount | -$175 | $472 |
| 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 |
| Winston County | $1,500 | $729 | $2,229 | $530 | $2,030 | $199 |
| Double Springs, AL | $2,000 | $639 | $2,639 | $464 | $2,464 | $175 |
| Carbon Hill, AL | $100 | $680 | $780 | $494 | $594 | $186 |
| Glen Allen, AL | $1,000 | $757 | $1,757 | $550 | $1,550 | $207 |
| Russellville, AL | $200 | $810 | $1,010 | $589 | $789 | $221 |
| Hanceville, AL | $1,000 | $773 | $1,773 | $562 | $1,562 | $211 |
| Simcoe, AL | $500 | $847 | $1,347 | $616 | $1,116 | $232 |
| Sulligent, AL | $2,000 | $659 | $2,659 | $479 | $2,479 | $180 |
| Red Bay, AL | $400 | $874 | $1,274 | $635 | $1,035 | $239 |
| Vernon, AL | $1,000 | $661 | $1,661 | $480 | $1,480 | $181 |
| Rock Creek, AL | $200 | $1,085 | $1,285 | $788 | $988 | $296 |
| Pleasant Grove, AL | $2,000 | $884 | $2,884 | $642 | $2,642 | $241 |
| Home Insurance Company Double Springs, AL | Homeowners Insurance Agency Double Springs, AL | Address | Popularity Score | Distance from Double Springs (miles) |
|---|---|---|---|---|
| State Farm | Rebecca Hovater | 501 S Montgomery Ave Ste C, Sheffield, AL, 35660-3861 | 46.9 | |
| State Farm | Anthony Christian | 4505 Highway 78 E Ste 50, Jasper, AL, 35501-8883 | 22.0 | |
| Liberty Mutual Independent | Haleyville Insurance Center | 2012 9th Ave, Haleyville, AL, 35565 | 15.6 | |
| Liberty Mutual Independent | Haleyville Insurance Center | 2012 9th Ave, Haleyville, AL, 35565 | 15.6 | |
| Allstate | Jennifer Ricks | 117 Highway 72 E Ste E, Tuscumbia, AL, 35674 | 44.5 | |
| State Farm | Michael Holifield | 603 Main St W, Hartselle, AL, 35640-2433 | 33.4 | |
| State Farm | Johnny Masoner | 16511 Highway 72, Rogersville, AL, 35652-8139 | 48.3 | |
| Travelers | Ball And Associates Inc | 2311 21st St, Haleyville, AL, 35565 | 14.9 | |
| State Farm | Todd Barton | 1123 20th St, Haleyville, AL, 35565-1550 | 15.3 | |
| Travelers | King Insurance Agency | 207 Johnston St Se Ste 101, Decatur, AL, 35601 | 39.9 |
| 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 | $1,600 | $770 |
| Winston County, AL | $82,900 | $738 | $530 | $1,040 | $510 |
| Double Springs, AL | $67,800 | $647 | $460 | $920 | $460 |
| Carbon Hill, AL | $57,100 | $688 | $460 | $980 | $520 |
| Glen Allen, AL | $67,200 | $766 | $520 | $1,060 | $540 |
| Russellville, AL | $97,900 | $820 | $560 | $1,160 | $600 |
| Hanceville, AL | $91,100 | $783 | $570 | $1,110 | $540 |
| Simcoe, AL | $105,400 | $858 | $610 | $1,230 | $620 |
| Sulligent, AL | $71,000 | $667 | $490 | $920 | $430 |
| Red Bay, AL | $83,900 | $885 | $650 | $1,270 | $620 |
| Vernon, AL | $71,300 | $669 | $480 | $920 | $440 |
| Rock Creek, AL | $118,900 | $1,098 | $740 | $1,560 | $820 |
| Pleasant Grove, AL | $151,000 | $894 | $620 | $1,240 | $620 |