Gavop tells you how to get the best homeowners insurance in Phil Campbell, AL by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $35,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $76,500 | $60,000 | $50,000-$75,000 |
| 3 Bedroom | $130,500 | $110,000 | $125,000-$150,000 |
| 4 Bedroom | $130,000 | $120,000 | $125,000-$150,000 |
| 5 Bedroom | $153,500 | $140,000 | $150,000-$175,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$52 | $603 |
| Home and Two Car | -$111 | $544 |
| Home and Three Car | -$151 | $505 |
| 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 |
| Franklin County | $2,000 | $863 | $2,863 | $627 | $2,627 | $236 |
| Phil Campbell, AL | $2,500 | $647 | $3,147 | $470 | $2,970 | $177 |
| Red Bay, AL | $500 | $874 | $1,374 | $635 | $1,135 | $239 |
| Guin, AL | $1,000 | $936 | $1,936 | $680 | $1,680 | $256 |
| Carbon Hill, AL | $300 | $680 | $980 | $494 | $794 | $186 |
| Morris Chapel, AL | $2,500 | $791 | $3,291 | $575 | $3,075 | $216 |
| Glen Allen, AL | $500 | $757 | $1,257 | $550 | $1,050 | $207 |
| Tremont, MS | $1,500 | $924 | $2,424 | $671 | $2,171 | $252 |
| St. Florian, AL | $500 | $1,338 | $1,838 | $972 | $1,472 | $366 |
| Jones Chapel, AL | $1,000 | $1,019 | $2,019 | $740 | $1,740 | $278 |
| Decatur, AL | $200 | $1,037 | $1,237 | $754 | $954 | $283 |
| Hartselle, AL | $700 | $860 | $1,560 | $625 | $1,325 | $235 |
| Home Insurance Company Phil Campbell, AL | Homeowners Insurance Agency Phil Campbell, AL | Address | Popularity Score | Distance from Phil Campbell (miles) |
|---|---|---|---|---|
| State Farm | Parke Cochran | 883 Cox Creek Pkwy, Florence, AL, 35630-1003 | 33.5 | |
| State Farm | Steve Pierce | 3001 Cloverdale Rd, Florence, AL, 35633-1477 | 33.9 | |
| State Farm | Britt Blanton | 365 Highway 72 Ste 2, Killen, AL, 35645-2841 | 35.1 | |
| State Farm | Diana Fisher | 15480 Highway 43 Suite H, Russellville, AL, 35653-8086 | 11.0 | |
| Liberty Mutual Independent | Lacy Grice Insurance Agency | 1917 3rd Avenue, Jasper, AL, 35501 | 43.5 | |
| State Farm | Chris Humphries | 1853 N Bethel Rd, Decatur, AL, 35603-5420 | 47.3 | |
| Liberty Mutual Independent | Your Insurance Centers Inc | 400 Bexar Ave W, Hamilton, AL, 35570 | 22.4 | |
| Travelers | Wood-Thompson Insurance Service Llc | 130 North Jackson Ave, Russellville, AL, 35653 | 10.4 | |
| State Farm | Jason Parker | 2506 Avalon Ave, Muscle Shoals, AL, 35661-3124 | 27.0 | |
| Allstate | Justin James | 2811 W Mall Dr, Florence, AL, 35630 | 33.5 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Alabama | $132,100 | $1,168 | $850 | $1,670 | $820 |
| Franklin County, AL | $87,600 | $874 | $620 | $1,250 | $630 |
| Phil Campbell, AL | $69,100 | $655 | $480 | $900 | $420 |
| Red Bay, AL | $83,900 | $885 | $640 | $1,230 | $590 |
| Guin, AL | $93,300 | $947 | $690 | $1,300 | $610 |
| Carbon Hill, AL | $57,100 | $688 | $500 | $940 | $440 |
| Morris Chapel, AL | $94,300 | $801 | $550 | $1,140 | $590 |
| Glen Allen, AL | $67,200 | $766 | $520 | $1,060 | $540 |
| Tremont, MS | $76,200 | $935 | $680 | $1,340 | $660 |
| St. Florian, AL | $173,900 | $1,354 | $990 | $1,910 | $920 |
| Jones Chapel, AL | $107,100 | $1,031 | $690 | $1,450 | $760 |
| Decatur, AL | $124,700 | $1,050 | $700 | $1,490 | $790 |
| Hartselle, AL | $143,800 | $871 | $600 | $1,210 | $610 |