Gavop tells you how to get the best homeowners insurance in Cullman County, AL by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
| Cullman 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 | |
| Co Rd 1716, Co Rd 961, Ave H SE, Co Rd 500, Co Rd 437, Ponder Ford Rd, Co Rd 197, Co Rd 1517, Co Rd 1765, Co Rd 1491 | $123,000 | $110,000 | $125,000-$150,000 | $77,000 | $70,000 | $75,000-$100,000 |
| Co Rd 231, Co Rd 199, Christopher St SW, 11th St SE, Co Rd 1553, Co Rd 601, Co Rd 558, Good Hope School Rd, Co Rd 1489, Grafton Rd | $180,000 | $160,000 | $200,000-$250,000 | $137,500 | $110,000 | $100,000-$125,000 |
| Co Rd 215, Boyd Rd, Co Rd 468, Co Rd 47, Co Rd 717, Cleveland Ave SW, Austin Ave SW, Co Rd 623, David Dr NW, 6th Ave SE | $77,500 | $70,000 | $75,000-$100,000 | $86,000 | $80,000 | $75,000-$100,000 |
| Sheraton Rd SW, Co Rd 79, Co Rd 384, Co Rd 1191, Cumberland Ridge Rd NW, Griffin Dr, Clint Warren St NE, Grandiflora Rd, Co Rd 1133, 12th St SE | $79,000 | $70,000 | $75,000-$100,000 | $100,000 | $80,000 | $100,000-$125,000 |
| Co Rd 1320, Co Rd 982, Co Rd 459, Welti Rd SE, Chestnut Ave NE, Madison Ave NW, Co Rd 1422, Co Rd 1490, Co Rd 1127, Co Rd 540 | $106,500 | $90,000 | $75,000-$100,000 | $118,000 | $110,000 | $75,000-$100,000 |
| Co Rd 1420, 1st Ave S, Carrollton Dr NW, Co Rd 1219, Kenny Grove Church Rd, Co Rd 544, Co Rd 1506, Brunner St NW, Co Rd 1684, Co Rd 1084 | $152,000 | $130,000 | $150,000-$175,000 | $94,000 | $90,000 | $100,000-$125,000 |
| Co Rd 362, Co Rd 828, Co Rd 1079, Co Rd 310, Co Rd 539, Co Rd 59, Co Rd 875, Co Rd 1759, Heritage Cir SE, Co Rd 525 | $117,500 | $110,000 | $75,000-$100,000 | $119,000 | $110,000 | $100,000-$125,000 |
| Co Rd 1839, Schwaiger Rd, Co Rd 399, Co Rd 280, Ann St NW, Co Rd 700, Co Rd 548, Co Rd 939, Co Rd 33, Co Rd 573 | $123,000 | $100,000 | $125,000-$150,000 | $100,000 | $80,000 | $100,000-$125,000 |
| Co Rd 242, Co Rd 1371, Willingham Dr, Co Rd 1107, Co Rd 986, Commerce St, Co Rd 1443, Co Rd 1565, Co Rd 1399, Co Rd 163 | $164,500 | $140,000 | $125,000-$150,000 | $121,500 | $100,000 | $100,000-$125,000 |
| Railroad Ave N, Co Rd 1068, 1st Ave SW, Co Rd 1369, Kilpatrick Rd, Co Rd 1710, Co Rd 811, Co Rd 1287, Co Rd 1130, Catalina Dr | $125,500 | $110,000 | $125,000-$150,000 | $87,000 | $70,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$166 | $871 |
| Superior Protection Discount | -$93 | $944 |
| Fire & Security Discount | -$114 | $923 |
| Hail Resistant Roof Discount | -$31 | $1,006 |
| Newly Constructed Home Discount | -$207 | $830 |
| 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 |
| Cullman County | $2,500 | $1,025 | $3,525 | $745 | $3,245 | $280 |
| Cullman County, AL | $700 | $1,025 | $1,725 | $745 | $1,445 | $280 |
| West Point, AL | $500 | $902 | $1,402 | $656 | $1,156 | $247 |
| Holly Pond, AL | $1,000 | $895 | $1,895 | $651 | $1,651 | $245 |
| Locust Fork, AL | $400 | $897 | $1,297 | $652 | $1,052 | $245 |
| Priceville, AL | $1,000 | $1,360 | $2,360 | $989 | $1,989 | $372 |
| Gallant, AL | $300 | $1,108 | $1,408 | $805 | $1,105 | $303 |
| Sylvan Springs, AL | $1,000 | $1,256 | $2,256 | $913 | $1,913 | $343 |
| Concord, AL | $100 | $1,241 | $1,341 | $902 | $1,002 | $339 |
| Gadsden, AL | $1,000 | $971 | $1,971 | $706 | $1,706 | $265 |
| Bear Creek, AL | $400 | $610 | $1,010 | $443 | $843 | $167 |
| Northeast Fayette, AL | $2,000 | $807 | $2,807 | $587 | $2,587 | $221 |
| Home Insurance Company Cullman County, AL | Homeowners Insurance Agency Cullman County, AL | Address | Popularity Score | Distance from Cullman County (miles) |
|---|---|---|---|---|
| Farmers | Gary Gibbs | 220 4th Ave Se, Cullman, AL, 35055 | 3.6 | |
| State Farm | Eddie Breakfield | 114 N Marion St, Athens, AL, 35611-2538 | 46.7 | |
| State Farm | Brian Wiggins | 8871 Madison Blvd Ste A, Madison, AL, 35758-1807 | 38.2 | |
| Farmers | Gerald Trevarthen | 909a Graham St Sw, Cullman, AL, 35055 | 2.2 | |
| State Farm | Shirley Quattlebaum | 905 2nd Avenue Sw, Cullman, AL, 35055-4224 | 3.0 | |
| State Farm | Tim Barron | 151 Hughes Rd Ste A, Madison, AL, 35758-1100 | 39.9 | |
| Travelers | Virgil B Fowler Insurance Agency | 806 2nd Ave Sw, Cullman, AL, 35055 | 3.1 | |
| Allstate | Adam Lauderdale | 1207 E Forrest St Ste C, Athens, AL, 35613 | 46.1 | |
| State Farm | Dale Deason | 1001 Jefferson St Se, Athens, AL, 35611-3584 | 45.9 | |
| State Farm | Patrick Johnson | 2704 Highway 31 S Ste B, Decatur, AL, 35603-1546 | 29.8 |
| 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 | $1,600 | $770 |
| Cullman County, AL | $121,900 | $1,037 | $710 | $1,420 | $710 |
| Cullman County, AL | $121,900 | $1,037 | $750 | $1,420 | $670 |
| West Point, AL | $88,100 | $913 | $670 | $1,290 | $620 |
| Holly Pond, AL | $115,500 | $906 | $630 | $1,240 | $610 |
| Locust Fork, AL | $115,800 | $908 | $660 | $1,260 | $600 |
| Priceville, AL | $180,100 | $1,377 | $920 | $1,890 | $970 |
| Gallant, AL | $123,100 | $1,121 | $770 | $1,600 | $830 |
| Sylvan Springs, AL | $154,100 | $1,271 | $850 | $1,750 | $900 |
| Concord, AL | $150,700 | $1,256 | $900 | $1,720 | $820 |
| Gadsden, AL | $105,900 | $983 | $700 | $1,350 | $650 |
| Bear Creek, AL | $48,400 | $617 | $440 | $860 | $420 |
| Northeast Fayette, AL | $74,200 | $817 | $560 | $1,130 | $570 |