Gavop shows you how to buy homeowners insurance in Locust Fork, 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 |
|---|---|---|---|
| 2 Bedroom | $149,000 | $120,000 | $150,000-$175,000 |
| 3 Bedroom | $194,500 | $170,000 | $175,000-$200,000 |
| 4 Bedroom | $280,500 | $240,000 | $250,000-$300,000 |
| 5 Bedroom | $140,500 | $120,000 | $100,000-$125,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$73 | $835 |
| Home and Two Car | -$145 | $763 |
| Home and Three Car | -$209 | $699 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,975 |
| Physical Damage | $2,488 |
| Hail Damage | $4,806 |
| Wind Damage | $6,178 |
| Expensive Claims | |
| Fire | $43,336 |
| Smoke | $16,218 |
| Home Insurance Company Locust Fork, AL | Homeowners Insurance Agency Locust Fork, AL | Address | Popularity Score | Distance from Locust Fork (miles) |
|---|---|---|---|---|
| State Farm | Scott Cantrell | 313 Fieldstown Rd Ste 101, Gardendale, AL, 35071-2796 | 16.6 | |
| State Farm | Jami Noe | 56 Marketplace Cir Ste B, Calera, AL, 35040-8207 | 47.6 | |
| State Farm | Mandy Pilgreen | 1960 Braddock Dr Ste 104, Hoover, AL, 35226-3605 | 31.8 | |
| State Farm | Beth Slaughter | 1810 Decatur Hwy Ste 204, Fultondale, AL, 35068-1700 | 18.3 | |
| Allstate | Lamar Yarbrough | 6421 S Chalkville Rd, Trussville, AL, 35173 | 15.7 | |
| State Farm | Ashley Caudle | 1326 Main St Ste 112, Gardendale, AL, 35071-2471 | 16.2 | |
| State Farm | Shawna Holley | 915 Main St, Gardendale, AL, 35071-2633 | 16.7 | |
| Allstate | Ronald Hall | 9729 Parkway E, Birmingham, AL, 35215 | 16.8 | |
| Farmers | Keith Devine | 1140 Main St, Gardendale, AL, 35071 | 16.4 | |
| State Farm | Jay Ellett | 6662 Highway 75 Ste 111, Pinson, AL, 35126-3200 | 10.3 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Alabama | $132,100 | $1,168 | $810 | $1,650 | $840 |
| Blount County, AL | $122,200 | $1,038 | $740 | $1,470 | $730 |
| Locust Fork, AL | $115,800 | $908 | $640 | $1,250 | $610 |
| Blount County, AL | $122,200 | $1,038 | $720 | $1,440 | $720 |
| Morris, AL | $179,000 | $1,373 | $990 | $1,960 | $970 |
| Graysville-Adamsville, AL | $97,800 | $819 | $550 | $1,150 | $600 |
| Sterrett, AL | $80,000 | $858 | $590 | $1,230 | $640 |
| Westover, AL | $180,100 | $1,377 | $980 | $1,890 | $910 |
| West Point, AL | $88,100 | $913 | $630 | $1,300 | $670 |
| Indian Springs Village, AL | $335,600 | $1,825 | $1,330 | $2,610 | $1,280 |
| Eva, AL | $102,200 | $842 | $570 | $1,200 | $630 |
| Walker County, AL | $87,300 | $872 | $590 | $1,200 | $610 |
| Oxford, AL | $134,100 | $838 | $560 | $1,180 | $620 |