Gavop shows you how to buy homeowners insurance in Athens, AL by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Athens, 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 | |
| Wyndham Cir, Beulah Bay Rd, Bolyn St, Albert Rd, Putman Cir, Houston Ln, Co Rd 27, Pepper Rd, Oakdale Ridge Rd, James Dr | $129,000 | $100,000 | $125,000-$150,000 | $113,000 | $100,000 | $100,000-$125,000 |
| Peninsula Dr, W Green St, Co Rd 33A, Trinity Cir, Adams St, Watson Rd, Country Pl, Co Rd 60, Magnusson Ave, Cross Key Rd | $146,000 | $120,000 | $125,000-$150,000 | $130,500 | $110,000 | $100,000-$125,000 |
| Snap Devin Way, Houston St, McCown Rd, Guthrie Rd, Co Rd 20C, Little Elk Rd, Virginia Dr, Sod Rd, Sycamore Ln, Gann Ln | $120,000 | $100,000 | $100,000-$125,000 | $71,500 | $70,000 | $75,000-$100,000 |
| Grove Ln, W 14th St, E Limestone Rd, Compton Rd, Cedar Hill Rd, Cloverdale Ct N, Phyllis St, Co Rd 43B, Michelle Ln, Sommers Ridge Dr | $110,500 | $90,000 | $100,000-$125,000 | $85,000 | $80,000 | $75,000-$100,000 |
| Obsidian Cir, Tommy Ln, Rainbow Way, Poplar Hill Ln, Co Rd 81, Florence St, Snow Ln, Pryor St E, Elkins Rd, Browning Dr | $155,000 | $140,000 | $150,000-$175,000 | $102,500 | $100,000 | $100,000-$125,000 |
| Old Miller Rd, Washington Rd, Hazeltine Dr, State Line Rd E, Plum St, Blackburn Rd, Hays Mill Rd, Ham Rd, Page Rd, Sherry Conn Ln | $119,500 | $100,000 | $125,000-$150,000 | $103,500 | $100,000 | $75,000-$100,000 |
| Pat Ingram St, S Marion St, Sammy Ln, Nick Davis Rd, Neely Hill Loop, Travertine Dr, Whitfeld Rd, Johnson Rd, Rochelle Rd, Miller Ln | $125,500 | $120,000 | $100,000-$125,000 | $139,500 | $120,000 | $125,000-$150,000 |
| Gary Redus Dr, Glass Hollow Rd, Coman St, Barbara St, Ida Ln, Schrimsher Ln, Goode Dr, The Loop, Blackberry Way, Snake Rd | $154,500 | $150,000 | $150,000-$175,000 | $68,500 | $60,000 | $50,000-$75,000 |
| Stanford Rd, Ennis Rd, Astor Ln, Randle Cir, Land Dr, Co Rd 5, E Clearmont Dr, Aretha St, Reunion Rd, Copeland Rd | $177,500 | $140,000 | $175,000-$200,000 | $153,500 | $130,000 | $175,000-$200,000 |
| S Jefferson St, Co Rd 75, Shannon Rd, Bridges Rd, Cagle Rd, Bald Eagle Dr, Lebanon Rd, Mary Shell Dr NW, Newton Blvd, N Marion St | $199,500 | $180,000 | $200,000-$250,000 | $101,500 | $90,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$154 | $949 |
| Superior Protection Discount | -$110 | $993 |
| Fire & Security Discount | -$121 | $982 |
| Hail Resistant Roof Discount | -$22 | $1,081 |
| Newly Constructed Home Discount | -$265 | $838 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $7,163 |
| Hail Damage | $5,479 |
| Wind Damage | $9,515 |
| Expensive Claims | |
| Fire | $35,329 |
| Accidental Discharge/Leakage | $8,884 |
| Optional Coverage Losses | $8,403 |
| Home Insurance Company Athens, AL | Homeowners Insurance Agency Athens, AL | Address | Popularity Score | Distance from Athens (miles) |
|---|---|---|---|---|
| State Farm | Michael Howell | 903 S Clinton St, Athens, AL, 35611-3562 | 2.3 | |
| Nationwide | Scott Howell & Associates Inc | 1114 Hwy 31 S Ste E, Athens, AL, 35611-4471 | 3.1 | |
| State Farm | Robbie Barnes | 1801 Somerville Rd Se, Decatur, AL, 35601-5015 | 16.8 | |
| State Farm | Eddie Breakfield | 114 N Marion St, Athens, AL, 35611-2538 | 1.3 | |
| Allstate | Brad Johnson | 26978 Us Highway 72 Ste C, Athens, AL, 35613 | 8.2 | |
| Allstate | Adam Lauderdale | 1207 E Forrest St Ste C, Athens, AL, 35613 | 2.1 | |
| State Farm | David Perkins | 11156 County Line Rd Ste D, Madison, AL, 35756-5403 | 13.6 | |
| Nationwide | Akin & Associates Inc. | 820 Bradley St Sw, Decatur, AL, 35601 | 17.3 | |
| State Farm | Dale Deason | 1001 Jefferson St Se, Athens, AL, 35611-3584 | 2.0 | |
| Allstate | Brad Tank | 1785 Hwy 72 E Ste C, Athens, AL, 35611 | 3.6 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Alabama | $132,100 | $1,168 | $810 | $1,660 | $850 |
| Limestone County, AL | $146,300 | $1,149 | $780 | $1,570 | $790 |
| Athens, AL | $135,800 | $1,103 | $780 | $1,520 | $740 |
| Elkmont, AL | $130,100 | $1,157 | $840 | $1,630 | $790 |
| Madison County, AL | $173,400 | $1,217 | $840 | $1,680 | $840 |
| Lincoln County, TN | $117,500 | $900 | $640 | $1,230 | $590 |
| Loretto, TN | $88,300 | $822 | $600 | $1,170 | $570 |
| Leighton, AL | $112,400 | $892 | $640 | $1,280 | $640 |
| St. Joseph, TN | $76,200 | $766 | $530 | $1,100 | $570 |
| Cornersville, TN | $86,100 | $812 | $560 | $1,150 | $590 |
| Huntland, TN | $83,400 | $800 | $580 | $1,140 | $560 |
| Marshall County, TN | $119,300 | $905 | $640 | $1,290 | $650 |
| Oakland, AL | $136,400 | $1,189 | $820 | $1,630 | $810 |