Gavop's guide to buying homeowners insurance in New Hope, 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $49,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $80,000 | $70,000 | $50,000-$75,000 |
| 3 Bedroom | $105,500 | $100,000 | $75,000-$100,000 |
| 4 Bedroom | $218,500 | $200,000 | $200,000-$250,000 |
| 5 Bedroom | $248,500 | $230,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$151 | $792 |
| Superior Protection Discount | -$85 | $858 |
| Fire & Security Discount | -$66 | $877 |
| Hail Resistant Roof Discount | -$19 | $924 |
| Newly Constructed Home Discount | -$255 | $688 |
| 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 |
| Madison County | $700 | $1,202 | $1,902 | $874 | $1,574 | $329 |
| New Hope, AL | $2,500 | $931 | $3,431 | $677 | $3,177 | $255 |
| Scottsboro, AL | $100 | $780 | $880 | $567 | $667 | $213 |
| Lakeview, AL | $2,500 | $1,015 | $3,515 | $737 | $3,237 | $277 |
| Susan Moore, AL | $200 | $1,028 | $1,228 | $747 | $947 | $281 |
| Bristow Cove, AL | $1,000 | $705 | $1,705 | $513 | $1,513 | $193 |
| Rainsville-Sylvania, AL | $500 | $876 | $1,376 | $637 | $1,137 | $240 |
| Carlisle-Rockledge, AL | $1,500 | $907 | $2,407 | $659 | $2,159 | $248 |
| Rosa, AL | $300 | $997 | $1,297 | $724 | $1,024 | $272 |
| Garden City, AL | $1,000 | $824 | $1,824 | $599 | $1,599 | $225 |
| Morris Chapel, AL | $100 | $791 | $891 | $575 | $675 | $216 |
| Oneonta, AL | $700 | $847 | $1,547 | $616 | $1,316 | $232 |
| Home Insurance Company New Hope, AL | Homeowners Insurance Agency New Hope, AL | Address | Popularity Score | Distance from New Hope (miles) |
|---|---|---|---|---|
| Allstate | Michael Higdon | 1024 Blount Ave, Guntersville, AL, 35976 | 16.5 | |
| State Farm | Joe Demos | 7531 Bailey Cove Road Se, Huntsville, AL, 35802-2782 | 9.5 | |
| Farmers | Jay Rains | 201 E Mckinney Ave Ste B, Albertville, AL, 35950 | 23.9 | |
| Travelers | Rocket City Insurance Group | 10300 Bailey Cove Rd Se Ste 6, Huntsville, AL, 35803 | 8.1 | |
| State Farm | Bradley Hamner | 11310 Memorial Pkwy Sw Ste C, Huntsville, AL, 35803-2477 | 8.5 | |
| Allstate | Phillip Gibson | 12819 Highway 231 431 N, Hazel Green, AL, 35750 | 23.7 | |
| State Farm | Brian Bellomy | 7540 Meml Pkwy Sw Ste S, Huntsville, AL, 35802-2208 | 10.6 | |
| Allstate | Chase Henderson | 6138 Highway 431 S, Brownsboro, AL, 35741 | 8.6 | |
| State Farm | Tim Barron | 151 Hughes Rd Ste A, Madison, AL, 35758-1100 | 19.8 | |
| State Farm | Karen Acker | 103 2nd Ave W, Oneonta, AL, 35121-1603 | 42.5 |
| 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 | $1,670 | $840 |
| Madison County, AL | $173,400 | $1,217 | $830 | $1,720 | $890 |
| New Hope, AL | $167,000 | $943 | $650 | $1,340 | $690 |
| Scottsboro, AL | $121,100 | $789 | $580 | $1,090 | $510 |
| Lakeview, AL | $106,300 | $1,027 | $700 | $1,450 | $750 |
| Susan Moore, AL | $108,600 | $1,040 | $720 | $1,480 | $760 |
| Bristow Cove, AL | $60,400 | $714 | $490 | $980 | $490 |
| Rainsville-Sylvania, AL | $111,400 | $887 | $640 | $1,230 | $590 |
| Carlisle-Rockledge, AL | $88,900 | $918 | $620 | $1,270 | $650 |
| Rosa, AL | $103,400 | $1,009 | $740 | $1,420 | $680 |
| Garden City, AL | $76,600 | $834 | $590 | $1,140 | $550 |
| Morris Chapel, AL | $94,300 | $801 | $540 | $1,140 | $600 |
| Oneonta, AL | $139,800 | $857 | $630 | $1,190 | $560 |