Gavop's guide to buying homeowners insurance in Andalusia, 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.
| Andalusia, 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 | |
| Andrews Dr, Stratford Ct, Avalon St, Cane Juice Ln, State Rte 100, Babbie Rd, Cawthon St, Alma St, Courtney Dr, Watson Ln | $93,000 | $80,000 | $75,000-$100,000 | $84,500 | $70,000 | $75,000-$100,000 |
| Hidden Forest Ln, Herring Ln, Co Rd 20, Live Oak Ln, T Bridge Rd, Sleepy Rd, Cw Green Rd, Oc Kersey Rd, Riverside Rd, Fred Worley Rd | $133,500 | $120,000 | $125,000-$150,000 | $73,500 | $60,000 | $50,000-$75,000 |
| Thweat St, Highland Ave, Co Rd 7, Al Hwy 55, Mill Creek Rd, Heath River Falls Rd, Pressley Rd, Bernard Stewart Rd, Beasley St, Academy Dr | $146,000 | $130,000 | $125,000-$150,000 | $103,000 | $80,000 | $100,000-$125,000 |
| Powell Cir E, Seales Ln, McGowin St, Bates Rd, Crescent St, Cottle Creek Rd, Snowden Dr, Cross Creek Rd, Perrete Rd, Regal Heights Dr | $103,000 | $90,000 | $75,000-$100,000 | $53,000 | $50,000 | $25,000-$50,000 |
| Peach Dr, Bow St, Smithhart Rd, Beaver Dam Rd, Short Rd, David St, Lee St, Ward Rd, The Pond Ln, Beasley Ave | $123,000 | $110,000 | $125,000-$150,000 | $134,500 | $120,000 | $125,000-$150,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$113 | $693 |
| Superior Protection Discount | -$73 | $733 |
| Fire & Security Discount | -$81 | $725 |
| Hail Resistant Roof Discount | -$16 | $789 |
| Newly Constructed Home Discount | -$209 | $596 |
| 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 |
| Covington County | $700 | $915 | $1,615 | $665 | $1,365 | $250 |
| Andalusia, AL | $700 | $796 | $1,496 | $578 | $1,278 | $218 |
| Kinston, AL | $500 | $932 | $1,432 | $677 | $1,177 | $255 |
| Lockhart, AL | $1,000 | $618 | $1,618 | $449 | $1,449 | $169 |
| Jack, AL | $400 | $933 | $1,333 | $678 | $1,078 | $255 |
| East Brewton, AL | $1,500 | $870 | $2,370 | $633 | $2,133 | $238 |
| Henderson-Spring Hill, AL | $300 | $865 | $1,165 | $628 | $928 | $236 |
| Fidelis, FL | $2,000 | $968 | $2,968 | $704 | $2,704 | $265 |
| Geneva, AL | $200 | $792 | $992 | $575 | $775 | $216 |
| Springhill, FL | $200 | $1,496 | $1,696 | $1,087 | $1,287 | $409 |
| Excel, AL | $2,000 | $1,105 | $3,105 | $803 | $2,803 | $302 |
| Home Insurance Company Andalusia, AL | Homeowners Insurance Agency Andalusia, AL | Address | Popularity Score | Distance from Andalusia (miles) |
|---|---|---|---|---|
| Allstate | David Brooks | 1831 E Three Notch St, Andalusia, AL, 36421 | 3.8 | |
| State Farm | Sharyn Smith | 1805 E Three Notch St Ste 4, Andalusia, AL, 36421-2403 | 3.9 | |
| Allstate | Linc Lewis | 4441 S Alabama Ave, Monroeville, AL, 36460 | 49.2 | |
| State Farm | Brian Moss | 631 Willow Ln Ste M, Greenville, AL, 36037-8028 | 36.4 | |
| State Farm | Tommy Jordan | 3042 S Alabama Ave, Monroeville, AL, 36460-5600 | 48.5 | |
| Farmers | Mary Grimes | 1208 Rucker Blvd Ste B, Enterprise, AL, 36330 | 41.9 | |
| Allstate | Christopher Jackson | 408 River Falls St, Andalusia, AL, 36420 | 2.5 | |
| Travelers | Southeast Insurance & Real Estate | 416 N Claxton Ave, Elba, AL, 36323 | 27.8 | |
| Allstate | Gary Maddox | 510 N Main St, Opp, AL, 36467 | 16.3 | |
| State Farm | Mike Shelton | 1009 Highway 231 S Ste B, Troy, AL, 36081-3085 | 45.7 |
| 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 | $1,660 | $810 |
| Covington County, AL | $96,200 | $926 | $660 | $1,320 | $660 |
| Andalusia, AL | $95,300 | $806 | $540 | $1,150 | $610 |
| Kinston, AL | $92,700 | $943 | $690 | $1,310 | $620 |
| Lockhart, AL | $49,400 | $626 | $430 | $900 | $470 |
| Jack, AL | $92,900 | $944 | $630 | $1,350 | $720 |
| East Brewton, AL | $83,300 | $881 | $600 | $1,250 | $650 |
| Henderson-Spring Hill, AL | $82,400 | $875 | $630 | $1,220 | $590 |
| Fidelis, FL | $85,800 | $980 | $760 | $1,310 | $550 |
| Geneva, AL | $94,500 | $801 | $540 | $1,100 | $560 |
| Springhill, FL | $165,000 | $1,514 | $1,180 | $2,030 | $850 |
| Excel, AL | $122,500 | $1,118 | $820 | $1,550 | $730 |