Gavop shows you how to buy homeowners insurance in Cullman, AL by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Cullman, 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 | |
| Brantley Ave NW, Co Rd 1539, Co Rd 465, Laura Ln SE, 3rd St SW, Harbison St, Co Rd 622, Creek Cir SE, Section Line Rd, Co Rd 711 | $167,000 | $140,000 | $175,000-$200,000 | $96,500 | $90,000 | $75,000-$100,000 |
| Mayfair Ln, Chatteau Dr NE, Harbison Dr, Meadow Ln, Brentwood Ct, Hart Dr SE, Buettner Dr, Ave B SE, Lakeview Dr NW, Co Rd 463 | $137,500 | $120,000 | $150,000-$175,000 | $123,500 | $110,000 | $125,000-$150,000 |
| Co Rd 707, Ave G SE, Main Ave NE, Ridge St NW, Chestnut Ave NE, Co Rd 1315, 9th St NE, Co Rd 447, Teems Rd, Champagne Ln | $203,000 | $180,000 | $200,000-$250,000 | $148,500 | $130,000 | $175,000-$200,000 |
| Catoma Ln NE, Co Rd 617, Co Rd 658, Hathcock Rd, Super Saver Rd, Highland Dr NW, 8th St SW, 3rd St SE, Mize Rd S, Hoenig Rd | $119,500 | $110,000 | $100,000-$125,000 | $88,000 | $80,000 | $100,000-$125,000 |
| Schaeffel Rd, Welti Rd SE, Midfield Dr, Miller Dr, Burnham Dr NE, Demorie Ave NW, 1st Ave SW, Co Rd 610, Ave E SE, 9th St SE | $113,500 | $90,000 | $100,000-$125,000 | $98,500 | $90,000 | $100,000-$125,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$151 | $688 |
| Superior Protection Discount | -$84 | $755 |
| Fire & Security Discount | -$76 | $763 |
| Hail Resistant Roof Discount | -$17 | $822 |
| Newly Constructed Home Discount | -$243 | $596 |
| 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 |
| Cullman County | $1,000 | $1,025 | $2,025 | $745 | $1,745 | $280 |
| Cullman, AL | $2,500 | $829 | $3,329 | $602 | $3,102 | $227 |
| Danville, AL | $500 | $806 | $1,306 | $586 | $1,086 | $220 |
| Empire, AL | $700 | $743 | $1,443 | $540 | $1,240 | $203 |
| Oneonta, AL | $400 | $847 | $1,247 | $616 | $1,016 | $232 |
| Robbins Crossroads, AL | $1,500 | $894 | $2,394 | $650 | $2,150 | $244 |
| Marshall County, AL | $100 | $1,007 | $1,107 | $732 | $832 | $275 |
| Walker County, AL | $1,500 | $861 | $2,361 | $626 | $2,126 | $235 |
| Maytown-Sylvan Springs, AL | $2,500 | $1,142 | $3,642 | $830 | $3,330 | $312 |
| Vestavia Hills, AL | $400 | $1,266 | $1,666 | $920 | $1,320 | $346 |
| Harvest, AL | $2,500 | $1,240 | $3,740 | $901 | $3,401 | $339 |
| Home Insurance Company Cullman, AL | Homeowners Insurance Agency Cullman, AL | Address | Popularity Score | Distance from Cullman (miles) |
|---|---|---|---|---|
| State Farm | Kim Lee | 28254 State Highway 75, Oneonta, AL, 35121-1659 | 25.4 | |
| Farmers | Gerald Trevarthen | 909a Graham St Sw, Cullman, AL, 35055 | 0.2 | |
| State Farm | Shirley Quattlebaum | 905 2nd Avenue Sw, Cullman, AL, 35055-4224 | 0.8 | |
| State Farm | Katherine Morgan | 909 Fisher St Sw, Cullman, AL, 35055-5563 | 0.8 | |
| State Farm | Antonette Lipscomb | 453 Green Springs Hwy, Homewood, AL, 35209-4921 | 47.9 | |
| Travelers | Peck-Glasgow Agency Inc | 1612 Highway 31 Sw, Hartselle, AL, 35640 | 19.4 | |
| Allstate | Brad Tank | 1785 Hwy 72 E Ste C, Athens, AL, 35611 | 43.3 | |
| State Farm | Tonya Wilson | 1624 1st Ave Sw, Cullman, AL, 35055-5384 | 0.7 | |
| Travelers | Chafin Insurance Agency | 165 S Main St, Graysville, AL, 35073 | 37.2 | |
| Farmers | Tonya Williams | 903 County Road 437, Cullman, AL, 35055 | 2.4 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Alabama | $132,100 | $1,168 | $850 | $1,620 | $770 |
| Cullman County, AL | $121,900 | $1,037 | $740 | $1,430 | $690 |
| Cullman, AL | $134,600 | $839 | $610 | $1,190 | $580 |
| Danville, AL | $128,200 | $816 | $550 | $1,130 | $580 |
| Empire, AL | $65,300 | $752 | $500 | $1,060 | $560 |
| Oneonta, AL | $139,800 | $857 | $620 | $1,210 | $590 |
| Robbins Crossroads, AL | $115,100 | $905 | $650 | $1,240 | $590 |
| Marshall County, AL | $118,500 | $1,019 | $720 | $1,420 | $700 |
| Walker County, AL | $87,300 | $872 | $600 | $1,240 | $640 |
| Maytown-Sylvan Springs, AL | $129,900 | $1,156 | $830 | $1,630 | $800 |
| Vestavia Hills, AL | $360,800 | $1,281 | $940 | $1,770 | $830 |
| Harvest, AL | $150,400 | $1,255 | $890 | $1,780 | $890 |