Gavop's guide to buying homeowners insurance in Semmes, 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.
| Semmes, AL - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 4 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Gregg Ct, Jupiter Dr, Crary Ave, Silver Pine Rd, Taylor Woods Loop E, Mark Martin Blvd, Northfield Rd, Albert Allen Rd, Findley Rd, Morris Dr | $85,500 | $70,000 | $75,000-$100,000 | $126,500 | $110,000 | $100,000-$125,000 |
| Crary Station Rd, Co Rd 68, Georgetown Estates Ct, Oak Hill Dr Extended N, Pineydale Ct, Holly St, Brothers Lake Dr, Red Oak Dr, Sasanqua Cir S, Eunice Dr | $182,500 | $150,000 | $200,000-$250,000 | $245,000 | $200,000 | $200,000-$250,000 |
| Victoria Ln, Brothers Lake Club Rd, Pecan Pointe Dr, Jamaica Rd, Kissi Ct, Pollard Rd, Lea Rd, Wills Rd, John Paul Rd, Nursery Rd | $132,000 | $110,000 | $125,000-$150,000 | $134,500 | $110,000 | $150,000-$175,000 |
| Georgetown Wood Rd, S Ridge Dr, Vesuvian Way, Mason Ferry Rd, Penn Rd, Camelia Cir, Michael Dr, Glenwood Rd Exd, Winston Dr W, Alma Cir N | $214,500 | $200,000 | $175,000-$200,000 | $282,000 | $260,000 | $200,000-$250,000 |
| Pine Land Dr, Torrington Dr S, Wulff Oaks Ct, Blue Ridge Pl, Bardin Dr, Ronnie Byrd Ln N, Calhoun Rd, Greenbriar Ct, Granato Dr W, Noah Ct | $148,500 | $120,000 | $125,000-$150,000 | $135,500 | $110,000 | $125,000-$150,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$137 | $720 |
| Superior Protection Discount | -$77 | $780 |
| Fire & Security Discount | -$77 | $780 |
| Hail Resistant Roof Discount | -$17 | $840 |
| Newly Constructed Home Discount | -$248 | $608 |
| 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 |
| Mobile County | $2,000 | $1,036 | $3,036 | $753 | $2,753 | $283 |
| Semmes, AL | $2,000 | $846 | $2,846 | $615 | $2,615 | $231 |
| Tanner Williams, AL | $200 | $916 | $1,116 | $666 | $866 | $250 |
| Mobile County, AL | $700 | $1,036 | $1,736 | $753 | $1,453 | $283 |
| Hurley, MS | $400 | $1,385 | $1,785 | $1,007 | $1,407 | $379 |
| Daphne, AL | $1,500 | $1,338 | $2,838 | $973 | $2,473 | $366 |
| Vancleave, MS | $100 | $990 | $1,090 | $719 | $819 | $270 |
| Pascagoula, MS | $700 | $803 | $1,503 | $583 | $1,283 | $219 |
| Fairhope, AL | $300 | $1,051 | $1,351 | $764 | $1,064 | $287 |
| Gulf Hills, MS | $2,500 | $938 | $3,438 | $682 | $3,182 | $256 |
| Biloxi, MS | $500 | $1,265 | $1,765 | $920 | $1,420 | $346 |
| Summerdale, AL | $700 | $1,140 | $1,840 | $829 | $1,529 | $312 |
| Home Insurance Company Semmes, AL | Homeowners Insurance Agency Semmes, AL | Address | Popularity Score | Distance from Semmes (miles) |
|---|---|---|---|---|
| State Farm | Otto Brewer | 6185 Three Notch Rd, Mobile, AL, 36619-1735 | 19.3 | |
| State Farm | Billy Yates | 9943 Lifeline Ct Ste D, Mobile, AL, 36608-8522 | 11.6 | |
| State Farm | Jeff Kahn | 1129 Sarald Blvd S Ste B, Saraland, AL, 36571-3612 | 15.9 | |
| Liberty Mutual Independent | Burkholder Insurance Inc | 115b S University Blvd, Mobile, AL, 36608 | 14.4 | |
| State Farm | Adrianne Fisher | 4742 Airport Blvd # B, Mobile, AL, 36608-3134 | 14.6 | |
| State Farm | Andrew Meyers | 2394 Dawes Road, Mobile, AL, 36695 | 14.5 | |
| State Farm | Makeda Nichols | 2558 Old Shell Road, Mobile, AL, 36607-3022 | 17.2 | |
| State Farm | Herman Bedwell | 3753 Cottage Hill Rd, Mobile, AL, 36609-6556 | 17.3 | |
| Farmers | Ryan Reid | 3660 Dauphin St Ste A, Mobile, AL, 36608 | 16.0 | |
| State Farm | Richard Grogan | 1621 S University Blvd Ste A1, Mobile, AL, 36609-2944 | 16.2 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Alabama | $132,100 | $1,168 | $780 | $1,620 | $840 |
| Mobile County, AL | $124,500 | $1,049 | $770 | $1,500 | $730 |
| Semmes, AL | $139,600 | $857 | $590 | $1,230 | $640 |
| Tanner Williams, AL | $161,600 | $927 | $660 | $1,330 | $670 |
| Mobile County, AL | $124,500 | $1,049 | $720 | $1,440 | $720 |
| Hurley, MS | $151,000 | $1,402 | $1,000 | $1,980 | $980 |
| Daphne, AL | $217,600 | $1,355 | $910 | $1,860 | $950 |
| Vancleave, MS | $169,400 | $1,002 | $720 | $1,370 | $650 |
| Pascagoula, MS | $106,900 | $813 | $590 | $1,150 | $560 |
| Fairhope, AL | $225,300 | $1,063 | $730 | $1,460 | $730 |
| Gulf Hills, MS | $139,000 | $950 | $690 | $1,340 | $650 |
| Biloxi, MS | $154,800 | $1,281 | $880 | $1,810 | $930 |
| Summerdale, AL | $129,500 | $1,154 | $780 | $1,580 | $800 |