Gavop's guide to buying homeowners insurance in Geneva County, 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 | $39,500 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $85,500 | $80,000 | $75,000-$100,000 |
| 3 Bedroom | $102,500 | $90,000 | $100,000-$125,000 |
| 4 Bedroom | $182,000 | $150,000 | $175,000-$200,000 |
| 5 Bedroom | $286,500 | $230,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$138 | $627 |
| Superior Protection Discount | -$77 | $689 |
| Fire & Security Discount | -$84 | $681 |
| Hail Resistant Roof Discount | -$15 | $750 |
| Newly Constructed Home Discount | -$222 | $543 |
| 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 |
| Geneva County | $2,500 | $756 | $3,256 | $549 | $3,049 | $207 |
| Geneva County, AL | $2,000 | $756 | $2,756 | $549 | $2,549 | $207 |
| Esto, FL | $200 | $962 | $1,162 | $699 | $899 | $263 |
| Dothan, AL | $2,000 | $1,088 | $3,088 | $791 | $2,791 | $297 |
| Caryville, FL | $400 | $960 | $1,360 | $698 | $1,098 | $262 |
| Washington County, FL | $700 | $909 | $1,609 | $660 | $1,360 | $248 |
| Laurel Hill, FL | $100 | $1,262 | $1,362 | $917 | $1,017 | $345 |
| DeFuniak Springs, FL | $2,000 | $807 | $2,807 | $587 | $2,587 | $221 |
| Brundidge, AL | $100 | $819 | $919 | $595 | $695 | $224 |
| Carolina, AL | $2,500 | $1,240 | $3,740 | $901 | $3,401 | $339 |
| Freeport, FL | $400 | $943 | $1,343 | $685 | $1,085 | $258 |
| Goshen, AL | $2,000 | $946 | $2,946 | $687 | $2,687 | $258 |
| Home Insurance Company Geneva County, AL | Homeowners Insurance Agency Geneva County, AL | Address | Popularity Score | Distance from Geneva County (miles) |
|---|---|---|---|---|
| State Farm | Melanie Garner | 112 S Commerce St, Geneva, AL, 36340-2211 | 4.6 | |
| Allstate | David Brooks | 1831 E Three Notch St, Andalusia, AL, 36421 | 41.2 | |
| Allstate | Mark Goodson | 804 Boll Weevil Cir, Enterprise, AL, 36330 | 16.2 | |
| State Farm | Michael Cornett | 806 Boll Weevil Cir, Enterprise, AL, 36330-2079 | 16.2 | |
| Allstate | Andrew Anderson | 936 W Carroll St Ste 1, Dothan, AL, 36301 | 25.3 | |
| State Farm | Gene Mcgriff | 2948 Ross Clark Cir, Dothan, AL, 36301-1161 | 24.7 | |
| Farmers | Mary Grimes | 1208 Rucker Blvd Ste B, Enterprise, AL, 36330 | 16.2 | |
| Allstate | Christopher Jackson | 408 River Falls St, Andalusia, AL, 36420 | 42.4 | |
| Allstate | Luke Stevens | 2238 Westgate Pkwy, Dothan, AL, 36303 | 26.4 | |
| Travelers | Southeast Insurance & Real Estate | 416 N Claxton Ave, Elba, AL, 36323 | 26.6 |
| 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 | $1,650 | $820 |
| Geneva County, AL | $87,800 | $765 | $540 | $1,050 | $510 |
| Geneva County, AL | $87,800 | $765 | $510 | $1,090 | $580 |
| Esto, FL | $85,000 | $974 | $760 | $1,310 | $550 |
| Dothan, AL | $135,400 | $1,101 | $740 | $1,520 | $780 |
| Caryville, FL | $84,700 | $972 | $760 | $1,300 | $540 |
| Washington County, FL | $102,700 | $920 | $720 | $1,230 | $510 |
| Laurel Hill, FL | $129,600 | $1,277 | $1,000 | $1,710 | $710 |
| DeFuniak Springs, FL | $110,700 | $817 | $640 | $1,090 | $450 |
| Brundidge, AL | $75,900 | $829 | $610 | $1,180 | $570 |
| Carolina, AL | $150,400 | $1,255 | $900 | $1,770 | $870 |
| Freeport, FL | $189,200 | $955 | $740 | $1,280 | $540 |
| Goshen, AL | $95,000 | $957 | $680 | $1,360 | $680 |