Gavop's guide to buying homeowners insurance in La Fayette, 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 | $35,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $58,500 | $50,000 | $25,000-$50,000 |
| 3 Bedroom | $73,500 | $70,000 | $50,000-$75,000 |
| 4 Bedroom | $123,500 | $100,000 | $125,000-$150,000 |
| 5 Bedroom | $167,500 | $140,000 | $125,000-$150,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$108 | $564 |
| Superior Protection Discount | -$60 | $612 |
| Fire & Security Discount | -$47 | $625 |
| Hail Resistant Roof Discount | -$13 | $659 |
| Newly Constructed Home Discount | -$175 | $497 |
| 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 |
| Chambers County | $1,000 | $856 | $1,856 | $622 | $1,622 | $234 |
| La Fayette, AL | $700 | $664 | $1,364 | $482 | $1,182 | $181 |
| West Point, GA | $100 | $657 | $757 | $478 | $578 | $180 |
| Beulah, AL | $1,500 | $840 | $2,340 | $611 | $2,111 | $230 |
| Auburn, AL | $400 | $1,388 | $1,788 | $1,009 | $1,409 | $379 |
| Notasulga, AL | $2,000 | $779 | $2,779 | $566 | $2,566 | $213 |
| Alexander City, AL | $300 | $821 | $1,121 | $596 | $896 | $224 |
| Millerville, AL | $500 | $392 | $892 | $285 | $785 | $107 |
| Delta, AL | $700 | $1,370 | $2,070 | $996 | $1,696 | $374 |
| Roopville, GA | $100 | $792 | $892 | $576 | $676 | $217 |
| Hollis Crossroads, AL | $1,000 | $1,003 | $2,003 | $729 | $1,729 | $274 |
| Home Insurance Company La Fayette, AL | Homeowners Insurance Agency La Fayette, AL | Address | Popularity Score | Distance from La Fayette (miles) |
|---|---|---|---|---|
| State Farm | Joe Stokes | 818 E Glenn Ave, Auburn, AL, 36830-5708 | 19.6 | |
| Travelers | Dark Insurance Agency Inc | 410 Hillabee St, Alexander City, AL, 35011 | 29.6 | |
| State Farm | Mike Coleman | 86401 Highway 9, Lineville, AL, 36266-6953 | 33.5 | |
| State Farm | John Killmaster | 2515 E Glenn Ave Ste 206, Auburn, AL, 36830-6452 | 19.5 | |
| Travelers | Tri County Insurance | 1434 Opelika Rd Ste C, Auburn, AL, 36830 | 18.7 | |
| Farmers | Laraine Anglin | 3355 Highway 431 Ste 12, Roanoke, AL, 36274 | 18.5 | |
| State Farm | Janice Henderson | 2310 Crawford Rd Ste 101, Phenix City, AL, 36867-3612 | 37.8 | |
| Allstate | Michael Cook | 601 1st Ave Ste A, Opelika, AL, 36801 | 17.2 | |
| Farmers | Diana Welch | 802 S Gilmer Ave, Lanett, AL, 36863 | 14.9 | |
| State Farm | Donny Holley | 2105 S Broad Ave Ste A, Lanett, AL, 36863-3117 | 15.1 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Alabama | $132,100 | $1,168 | $840 | $1,660 | $820 |
| Chambers County, AL | $86,400 | $866 | $580 | $1,190 | $610 |
| La Fayette, AL | $71,800 | $672 | $460 | $960 | $500 |
| West Point, GA | $108,300 | $665 | $490 | $920 | $430 |
| Beulah, AL | $137,800 | $850 | $610 | $1,160 | $550 |
| Auburn, AL | $236,200 | $1,405 | $960 | $1,990 | $1,030 |
| Notasulga, AL | $70,200 | $788 | $580 | $1,120 | $540 |
| Alexander City, AL | $100,000 | $831 | $600 | $1,170 | $570 |
| Millerville, AL | $23,800 | $397 | $280 | $560 | $280 |
| Delta, AL | $182,600 | $1,387 | $980 | $1,910 | $930 |
| Roopville, GA | $110,300 | $802 | $570 | $1,110 | $540 |
| Hollis Crossroads, AL | $104,300 | $1,015 | $690 | $1,400 | $710 |