Gavop's guide to buying homeowners insurance in Lowndes County, 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.
| Lowndes County, 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 | |
| Reed Dr, Pine Tuckett Rd, Hilltop Rd, Co Rd 40, Calhoun Rd, Old Calhoun Rd, Jackson Rd, Bracey Hill Cir, Surles Rd, Park Ln | $92,500 | $80,000 | $100,000-$125,000 | $85,500 | $70,000 | $100,000-$125,000 |
| Ridgeland Farm Rd, Village Cir, Valley Rd, Co Rd 33, Lawson Rd, Golson Cir, N Pollard St, James Rd, Bishop St, Julian Town Rd | $63,500 | $60,000 | $50,000-$75,000 | $83,000 | $70,000 | $75,000-$100,000 |
| S Commerce St, Julian Town Rd, Co Rd 6, Farmersville Rd, Howard Ln, Gordon Rd, Lakeberry Rd, Landmark Rd, State Rte 8, St Clair Pl | $136,000 | $110,000 | $150,000-$175,000 | $143,000 | $120,000 | $125,000-$150,000 |
| Atchison Rd, Shady Lakes Rd, Bama Ln, Williams Dr, Fountain St, Fuller St N, Timberland Rd, Davis Dr, Smith Curve, State Rte 185 | $151,500 | $130,000 | $150,000-$175,000 | $73,000 | $60,000 | $75,000-$100,000 |
| Billy Gates Rd, McQueen Rd, White Hall Rd, E Rogers St, Autrey Rd, N Broad St, Federal Rd, Dutch Bend Village, King Dr, Henderson Rd | $112,000 | $100,000 | $125,000-$150,000 | $69,000 | $60,000 | $50,000-$75,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$116 | $567 |
| Superior Protection Discount | -$61 | $621 |
| Fire & Security Discount | -$75 | $608 |
| Hail Resistant Roof Discount | -$14 | $669 |
| Newly Constructed Home Discount | -$164 | $519 |
| 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 |
| Lowndes County | $1,500 | $674 | $2,174 | $490 | $1,990 | $184 |
| Lowndes County, AL | $2,500 | $674 | $3,174 | $490 | $2,990 | $184 |
| Mosses, AL | $500 | $719 | $1,219 | $523 | $1,023 | $197 |
| Benton-Collirene, AL | $700 | $684 | $1,384 | $497 | $1,197 | $187 |
| Benton, AL | $300 | $1,317 | $1,617 | $957 | $1,257 | $360 |
| Hope Hull, AL | $2,000 | $749 | $2,749 | $545 | $2,545 | $205 |
| Selma, AL | $200 | $875 | $1,075 | $636 | $836 | $239 |
| Billingsley, AL | $2,000 | $956 | $2,956 | $695 | $2,695 | $261 |
| Rutledge, AL | $100 | $904 | $1,004 | $657 | $757 | $247 |
| Coy-Fatama, AL | $2,000 | $670 | $2,670 | $487 | $2,487 | $183 |
| Troy, AL | $200 | $872 | $1,072 | $634 | $834 | $238 |
| Clanton, AL | $2,000 | $891 | $2,891 | $647 | $2,647 | $243 |
| Home Insurance Company Lowndes County, AL | Homeowners Insurance Agency Lowndes County, AL | Address | Popularity Score | Distance from Lowndes County (miles) |
|---|---|---|---|---|
| State Farm | Al Snellgrove | 1384 S Forest Ave, Luverne, AL, 36049-7311 | 38.4 | |
| Travelers | Gene Jones Insurance Agency Inc | 3347 Highway 14, Millbrook, AL, 36054 | 29.6 | |
| State Farm | Cedric Bradford | 420 S Lawrence St, Montgomery, AL, 36104-4220 | 25.5 | |
| State Farm | Charles Smith | 2135 Taylor Rd, Montgomery, AL, 36117-3422 | 31.0 | |
| Travelers | Davis & Davis Insurance Agency Inc | 401 6th St N, Clanton, AL, 35046 | 47.8 | |
| Liberty Mutual Independent | Premiere Agency Network Llc | 1712 Taliaferro Trl, Montgomery, AL, 36117 | 31.6 | |
| State Farm | Taft Walley | 400 6th St N, Clanton, AL, 35045-2824 | 47.8 | |
| Travelers | Mayer Insurance Services Llc | 1701 7th St N, Clanton, AL, 35045 | 48.6 | |
| Travelers | Aronov Insurance Inc | 3500 Eastern Blvd, Montgomery, AL, 36116 | 27.7 | |
| Liberty Mutual Independent | Harmon Dennis Bradshaw Inc | 7115 Halcyon Summit Dr, Montgomery, AL, 36117 | 32.0 |
| 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 | $1,650 | $870 |
| Lowndes County, AL | $63,000 | $683 | $460 | $960 | $500 |
| Lowndes County, AL | $63,000 | $683 | $500 | $940 | $440 |
| Mosses, AL | $62,200 | $728 | $520 | $1,000 | $480 |
| Benton-Collirene, AL | $57,600 | $692 | $460 | $980 | $520 |
| Benton, AL | $168,800 | $1,333 | $890 | $1,850 | $960 |
| Hope Hull, AL | $86,600 | $759 | $540 | $1,040 | $500 |
| Selma, AL | $89,700 | $886 | $630 | $1,250 | $620 |
| Billingsley, AL | $96,700 | $968 | $700 | $1,340 | $640 |
| Rutledge, AL | $88,400 | $915 | $610 | $1,270 | $660 |
| Coy-Fatama, AL | $55,900 | $678 | $480 | $960 | $480 |
| Troy, AL | $147,300 | $882 | $610 | $1,240 | $630 |
| Clanton, AL | $114,400 | $901 | $600 | $1,230 | $630 |