Gavop shows you how to buy homeowners insurance in Somerville, AL by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Somerville, 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 | |
| Moore Rd, Wayne Cir SE, Clover Pvt Dr, Flatland, Terrace Ln, Gravel Ridge Rd, Cardinal Rd, Church Rd, Bishop Pvt Dr, Shadow Wood Pvt Dr | $180,000 | $150,000 | $175,000-$200,000 | $88,000 | $80,000 | $75,000-$100,000 |
| Richards Rd, Turney Rd, Cave Spring Rd, Henderson Greenwell Rd, Point Mallard Pkwy SE, Baldwin Rd, Shaneyfelt Dr, Brookwood Dr, Shirley Hill Rd, Springs Loop Rd | $240,500 | $190,000 | $200,000-$250,000 | $135,500 | $120,000 | $100,000-$125,000 |
| Maxwell Rd, Ginhouse Branch, Fieldstone Pl, E Upper River Rd, Rustic Pvt Dr, Atkins Dr, West St, Log Cabin Trl, Hunterwood Dr SE, Stonehurst Pvt Dr | $93,500 | $90,000 | $75,000-$100,000 | $63,000 | $50,000 | $50,000-$75,000 |
| Springfield Dr, Mountainside Pvt Dr, Little Creek Xing, Westwood Pvt Dr, Debonair Cir, Ridgecrest Pvt Dr, Cain Rd, Flemons Dr, Robin Pvt Dr, Sample Rd | $100,000 | $90,000 | $100,000-$125,000 | $89,000 | $70,000 | $75,000-$100,000 |
| Archery Rd, Draper Rd, Ballinger Pvt Dr, Wayside Pvt Dr, Robinson Rd, Lyle Cir, Rivermont Bend, Black Rd, Terry Lynn Cir, Herman Bailey Rd | $141,000 | $130,000 | $125,000-$150,000 | $92,000 | $80,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$136 | $771 |
| Superior Protection Discount | -$82 | $825 |
| Fire & Security Discount | -$82 | $825 |
| Hail Resistant Roof Discount | -$18 | $888 |
| Newly Constructed Home Discount | -$254 | $653 |
| 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 | $2,000 | $1,055 | $3,055 | $767 | $2,767 | $288 |
| Somerville, AL | $700 | $896 | $1,596 | $651 | $1,351 | $245 |
| Baileyton, AL | $500 | $1,015 | $1,515 | $737 | $1,237 | $277 |
| Huntsville, AL | $2,000 | $1,208 | $3,208 | $878 | $2,878 | $330 |
| Hillsboro, AL | $300 | $1,004 | $1,304 | $729 | $1,029 | $274 |
| Salem, AL | $2,500 | $1,146 | $3,646 | $833 | $3,333 | $313 |
| Clarence, AL | $500 | $760 | $1,260 | $552 | $1,052 | $208 |
| Double Springs, AL | $1,000 | $639 | $1,639 | $464 | $1,464 | $175 |
| Geraldine, AL | $200 | $781 | $981 | $568 | $768 | $213 |
| Trafford, AL | $2,000 | $874 | $2,874 | $635 | $2,635 | $239 |
| Fyffe, AL | $300 | $837 | $1,137 | $608 | $908 | $229 |
| Hollywood, AL | $1,500 | $826 | $2,326 | $600 | $2,100 | $226 |
| Home Insurance Company Somerville, AL | Homeowners Insurance Agency Somerville, AL | Address | Popularity Score | Distance from Somerville (miles) |
|---|---|---|---|---|
| Allstate | Carolyn Lankford | 7771 Highway 72 W Ste A, Madison, AL, 35758 | 17.7 | |
| Nationwide | Scott Howell & Associates Inc | 1114 Hwy 31 S Ste E, Athens, AL, 35611-4471 | 21.1 | |
| Allstate | Craig Wiggins | 4040 Balmoral Dr Sw, Huntsville, AL, 35801 | 18.2 | |
| State Farm | Chris Humphries | 1853 N Bethel Rd, Decatur, AL, 35603-5420 | 5.7 | |
| State Farm | Christina Smith | 7262 Governors West Nw Ste 103, Huntsville, AL, 35806-2378 | 15.0 | |
| Farmers | Bruce Payne | 1794 S Bethel Rd Ste B, Decatur, AL, 35603 | 5.6 | |
| Allstate | Brad Johnson | 26978 Us Highway 72 Ste C, Athens, AL, 35613 | 18.2 | |
| State Farm | Sonny Batchelor | 2804 Meml Pkwy Sw, Huntsville, AL, 35801-5632 | 18.6 | |
| State Farm | Bradley Hamner | 11310 Memorial Pkwy Sw Ste C, Huntsville, AL, 35803-2477 | 15.7 | |
| State Farm | Tim Barron | 151 Hughes Rd Ste A, Madison, AL, 35758-1100 | 14.2 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Alabama | $132,100 | $1,168 | $830 | $1,610 | $780 |
| Morgan County, AL | $128,200 | $1,068 | $770 | $1,510 | $740 |
| Somerville, AL | $154,900 | $906 | $620 | $1,240 | $620 |
| Baileyton, AL | $106,300 | $1,027 | $740 | $1,430 | $690 |
| Huntsville, AL | $164,300 | $1,223 | $840 | $1,690 | $850 |
| Hillsboro, AL | $104,500 | $1,016 | $680 | $1,410 | $730 |
| Salem, AL | $130,500 | $1,160 | $790 | $1,640 | $850 |
| Clarence, AL | $88,600 | $769 | $560 | $1,090 | $530 |
| Double Springs, AL | $67,800 | $647 | $470 | $910 | $440 |
| Geraldine, AL | $92,500 | $790 | $550 | $1,100 | $550 |
| Trafford, AL | $83,900 | $885 | $610 | $1,210 | $600 |
| Fyffe, AL | $103,100 | $847 | $610 | $1,200 | $590 |
| Hollywood, AL | $76,900 | $836 | $580 | $1,150 | $570 |