How Can I Make My Hoover, AL Home Insurance Cheaper
Gavop tells you how to get the best homeowners insurance in Hoover, AL by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
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Select the Suitable Coverage Value for your Hoover, AL Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $80,500 | $70,000 | $50,000-$75,000 |
| 2 Bedroom | $167,500 | $150,000 | $175,000-$200,000 |
| 3 Bedroom | $294,500 | $270,000 | $250,000-$300,000 |
| 4 Bedroom | $344,500 | $290,000 | $300,000-$350,000 |
| 5 Bedroom | $636,000 | $570,000 | $600,000-$700,000 |
Estimate your Savings with Home Insurance Discounts in Hoover, AL | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$254 | $1,238 |
| Superior Protection Discount | -$149 | $1,342 |
| Fire & Security Discount | -$149 | $1,342 |
| Hail Resistant Roof Discount | -$30 | $1,461 |
| Newly Constructed Home Discount | -$298 | $1,193 |
Choose the Right Deductible for your Hoover, AL Home | Back to Top
| 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 |
| Shelby County | $1,000 | $1,287 | $2,287 | $935 | $1,935 | $352 |
| Hoover, AL | $700 | $1,473 | $2,173 | $1,071 | $1,771 | $403 |
| Vestavia Hills, AL | $400 | $1,266 | $1,666 | $920 | $1,320 | $346 |
| Fairfield, AL | $1,000 | $800 | $1,800 | $581 | $1,581 | $219 |
| Irondale, AL | $100 | $813 | $913 | $591 | $691 | $222 |
| Concord, AL | $2,000 | $1,241 | $3,241 | $902 | $2,902 | $339 |
| Calera, AL | $100 | $851 | $951 | $618 | $718 | $232 |
| Wilsonville, AL | $1,500 | $1,220 | $2,720 | $887 | $2,387 | $333 |
| Lake View, AL | $400 | $1,419 | $1,819 | $1,031 | $1,431 | $388 |
| Jemison, AL | $1,000 | $819 | $1,819 | $595 | $1,595 | $224 |
| Brookwood, AL | $300 | $1,013 | $1,313 | $736 | $1,036 | $277 |
| Big Sandy-Duncanville, AL | $700 | $884 | $1,584 | $642 | $1,342 | $241 |
Identify Top Home Insurance Agents near Hoover, AL | Back to Top
| Home Insurance Company Hoover, AL | Homeowners Insurance Agency Hoover, AL | Address | Popularity Score | Distance from Hoover (miles) |
|---|---|---|---|---|
| Allstate | Monty Reed | 253 Us Highway 11, Trussville, AL, 35173 | 27.4 | |
| State Farm | John Henley | 2118 Columbiana Rd, Vestavia, AL, 35216-2504 | 4.0 | |
| Allstate | Jeff Crumpton | 201 Yeager Pkwy Ste 201a, Pelham, AL, 35124 | 6.0 | |
| Nationwide | Ken Caldwell Insurance Agency Inc. | 3926 Lorna Rd, Birmingham, AL, 35244-1004 | 0.6 | |
| State Farm | Ryan Whitson | 1503 Bridge Ave, Northport, AL, 35476-4865 | 45.8 | |
| State Farm | Leanne Dickinson | 200 B Y Williams Sr Dr, Midfield, AL, 35228-2221 | 8.5 | |
| State Farm | Chay Watkins | 2163 Clearbrook Rd, Hoover, AL, 35226-1566 | 3.4 | |
| Travelers | Mikos Kampakis Insurance Services | 421 Emery Drive Suite 101 Birmingham, Hoover, AL, 35244 | 2.8 | |
| State Farm | Casey Halsey | 507 Brookwood Blvd, Homewood, AL, 35209-6801 | 6.5 | |
| State Farm | Robert Kinsey | 2344 Valleydale Rd Ste B, Hoover, AL, 35244-2074 | 2.7 |
Compare Rates for Hoover, AL Home Insurance Providers | Back to Top
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Alabama | $132,100 | $1,168 | $790 | $1,610 | $820 |
| Shelby County, AL | $199,500 | $1,302 | $950 | $1,850 | $900 |
| Hoover, AL | $271,600 | $1,491 | $1,060 | $2,060 | $1,000 |
| Vestavia Hills, AL | $360,800 | $1,281 | $880 | $1,770 | $890 |
| Fairfield, AL | $96,100 | $810 | $550 | $1,120 | $570 |
| Irondale, AL | $130,200 | $823 | $590 | $1,170 | $580 |
| Concord, AL | $150,700 | $1,256 | $840 | $1,720 | $880 |
| Calera, AL | $141,000 | $861 | $620 | $1,180 | $560 |
| Wilsonville, AL | $146,000 | $1,235 | $880 | $1,770 | $890 |
| Lake View, AL | $196,500 | $1,436 | $1,030 | $2,040 | $1,010 |
| Jemison, AL | $99,700 | $829 | $570 | $1,150 | $580 |
| Brookwood, AL | $106,000 | $1,025 | $750 | $1,460 | $710 |
| Big Sandy-Duncanville, AL | $151,100 | $894 | $650 | $1,280 | $630 |
Research Home Insurance Companies Reviews in Hoover, AL Before Buying | Back to Top
Share a review on your home insurance company
GEICO Home Insurance Reviews
Date: January 06, 2020 Age: 30 to 39 Gender: Female Marital Status: Married
Premium
I switched to Geico because I was paying way more in my premium and deductible. Now, I have affordable insurance and I feel secured.
Date: October 19, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
Geico has been a great home insurance company. Their customer service is top notch, they always answer our questions and help us with whatever we need in terms of home insurance.
Date: October 14, 2019 Age: Above 60 Gender: Male Marital Status: Married
Premium
I have chosen a higher deductible on my policy which gave me a savings in the premiums. I found that there was a bigger decrease in the premium compared to other companies.
Allstate Home Insurance Reviews
Date: January 12, 2020 Age: 50 to 59 Gender: Female Marital Status: Married
Policy Offerings
I feel their prices are fair. I also like that they are not just some fly by night company. Other insurance companies have not been around. I also like when I go to pay my bill there is a person.
Date: September 17, 2019 Age: 40 to 49 Gender: Male Marital Status: Unmarried
Premium
I have a pretty good rate and a low deductible. I pay a comparable rate to other companies in this area. I have a basic homeowners plan that covers everything except for flooding which happens rarely in my area.
Travelers Home Insurance Reviews
Date: December 22, 2019 Age: 50 to 59 Gender: Male Marital Status: Married
Premium
I don't know if you can I had a really be truly 100% happy with the premium and deductible is that your pay, but we are as happy as we can be I suppose.
Date: July 06, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Premium
to keep my premiums low, I chose a percentile deductible of like 2% which I don't completely understand, but it keeps my premiums fair. normal insurance companies charge $500, $1000.
Progressive Home Insurance Reviews
Date: September 11, 2019 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Customer Service
My home insurance's customer service quality I would rate as good. They are easy to reach and get in contact with and make changes and updates quickly.
Nationwide Home Insurance Reviews
Date: September 07, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Customer Service
I've had wonderful experiences with Nationwide any time I've dealt with them. Their customer service is always quick and reliable.Nationwide takes care of that for me so I've bundled all of my services!
State Farm Home Insurance Reviews
Date: June 10, 2019 Age: 50 to 59 Gender: Married Marital Status: Male
Customer Service
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