Gavop shows you how to buy homeowners insurance in Morgan County, AL by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Newly Constructed Home | -$224 | $843 |
| 30 year old | +$16 | $1,084 |
| 40 year old | +$28 | $1,095 |
| 50 year old | +$41 | $1,108 |
| Above 50 year old | +$51 | $1,119 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$149 | $918 |
| Superior Protection Discount | -$96 | $972 |
| Fire & Security Discount | -$85 | $982 |
| Hail Resistant Roof Discount | -$32 | $1,036 |
| Newly Constructed Home Discount | -$224 | $843 |
| 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 |
| Morgan County | $2,500 | $1,055 | $3,555 | $767 | $3,267 | $288 |
| Morgan County, AL | $1,500 | $1,055 | $2,555 | $767 | $2,267 | $288 |
| Joppa, AL | $400 | $908 | $1,308 | $660 | $1,060 | $248 |
| Cullman County, AL | $2,500 | $1,025 | $3,525 | $745 | $3,245 | $280 |
| Owens Cross Roads, AL | $300 | $1,148 | $1,448 | $834 | $1,134 | $314 |
| Athens, AL | $2,000 | $1,090 | $3,090 | $792 | $2,792 | $298 |
| Addison, AL | $400 | $891 | $1,291 | $647 | $1,047 | $243 |
| Elkmont, AL | $1,500 | $1,143 | $2,643 | $831 | $2,331 | $312 |
| Blount County, AL | $300 | $1,025 | $1,325 | $745 | $1,045 | $280 |
| Clarence, AL | $1,000 | $760 | $1,760 | $552 | $1,552 | $208 |
| Scottsboro, AL | $300 | $780 | $1,080 | $567 | $867 | $213 |
| Killen, AL | $1,000 | $890 | $1,890 | $647 | $1,647 | $243 |
| Home Insurance Company Morgan County, AL | Homeowners Insurance Agency Morgan County, AL | Address | Popularity Score | Distance from Morgan County (miles) |
|---|---|---|---|---|
| State Farm | Wendy Burpee | 8097 Madison Blvd Ste 104, Madison, AL, 35758-2043 | 17.6 | |
| State Farm | Chris Humphries | 1853 N Bethel Rd, Decatur, AL, 35603-5420 | 5.7 | |
| Farmers | Gary Gibbs | 220 4th Ave Se, Cullman, AL, 35055 | 19.1 | |
| State Farm | Robbie Barnes | 1801 Somerville Rd Se, Decatur, AL, 35601-5015 | 11.1 | |
| Farmers | Bruce Payne | 1794 S Bethel Rd Ste B, Decatur, AL, 35603 | 5.6 | |
| Travelers | Burkett & Associates Insurance Agency Inc | 2400 Bob Wallace Ave Sw Ste #206, Huntsville, AL, 35805 | 22.7 | |
| Allstate | Wendy Hall | 2701 Highway 31 S, Decatur, AL, 35603 | 10.1 | |
| State Farm | Brian Wiggins | 8871 Madison Blvd Ste A, Madison, AL, 35758-1807 | 16.3 | |
| Liberty Mutual Independent | Haleyville Insurance Center | 2012 9th Ave, Haleyville, AL, 35565 | 47.1 | |
| State Farm | Tim Barron | 151 Hughes Rd Ste A, Madison, AL, 35758-1100 | 18.1 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Alabama | $132,100 | $1,168 | $790 | $1,600 | $810 |
| Morgan County, AL | $128,200 | $1,068 | $740 | $1,520 | $780 |
| Morgan County, AL | $128,200 | $1,068 | $780 | $1,510 | $730 |
| Joppa, AL | $89,100 | $919 | $620 | $1,300 | $680 |
| Cullman County, AL | $121,900 | $1,037 | $690 | $1,460 | $770 |
| Owens Cross Roads, AL | $131,000 | $1,162 | $800 | $1,600 | $800 |
| Athens, AL | $135,800 | $1,103 | $750 | $1,520 | $770 |
| Addison, AL | $114,400 | $901 | $600 | $1,270 | $670 |
| Elkmont, AL | $130,100 | $1,157 | $790 | $1,610 | $820 |
| Blount County, AL | $122,200 | $1,038 | $720 | $1,470 | $750 |
| Clarence, AL | $88,600 | $769 | $520 | $1,100 | $580 |
| Scottsboro, AL | $121,100 | $789 | $570 | $1,110 | $540 |
| Killen, AL | $153,000 | $901 | $600 | $1,240 | $640 |