Gavop shows you how to buy homeowners insurance in Tri-Cities, AL by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $45,500 | $40,000 | $50,000-$75,000 |
| 2 Bedroom | $112,000 | $90,000 | $100,000-$125,000 |
| 3 Bedroom | $138,500 | $110,000 | $100,000-$125,000 |
| 4 Bedroom | $254,500 | $240,000 | $250,000-$300,000 |
| 5 Bedroom | $271,000 | $230,000 | $200,000-$250,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$74 | $855 |
| Home and Two Car | -$149 | $780 |
| Home and Three Car | -$223 | $706 |
| 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 |
| Colbert County | $700 | $986 | $1,686 | $717 | $1,417 | $270 |
| Tri-Cities, AL | $700 | $918 | $1,618 | $667 | $1,367 | $251 |
| Muscle Shoals, AL | $200 | $846 | $1,046 | $615 | $815 | $231 |
| Hatton, AL | $2,000 | $953 | $2,953 | $693 | $2,693 | $261 |
| Town Creek-Courtland, AL | $300 | $883 | $1,183 | $642 | $942 | $241 |
| Rogersville, AL | $1,500 | $801 | $2,301 | $582 | $2,082 | $219 |
| Loretto, TN | $400 | $812 | $1,212 | $590 | $990 | $222 |
| Trinity, AL | $1,500 | $1,272 | $2,772 | $924 | $2,424 | $347 |
| Paden, MS | $200 | $906 | $1,106 | $658 | $858 | $248 |
| Lynn, AL | $1,000 | $742 | $1,742 | $539 | $1,539 | $203 |
| Elkton, TN | $300 | $1,007 | $1,307 | $732 | $1,032 | $275 |
| Morgan County, AL | $2,500 | $1,055 | $3,555 | $767 | $3,267 | $288 |
| Home Insurance Company Tri-Cities, AL | Homeowners Insurance Agency Tri-Cities, AL | Address | Popularity Score | Distance from Tri-Cities (miles) |
|---|---|---|---|---|
| Travelers | Benson Insurance Agency Inc | 1224 Helton Dr, Florence, AL, 35630 | 6.4 | |
| State Farm | Steve Pierce | 3001 Cloverdale Rd, Florence, AL, 35633-1477 | 8.8 | |
| State Farm | Britt Blanton | 365 Highway 72 Ste 2, Killen, AL, 35645-2841 | 9.9 | |
| State Farm | Rebecca Hovater | 501 S Montgomery Ave Ste C, Sheffield, AL, 35660-3861 | 3.7 | |
| Allstate | Michael Bange | 3246 Florence Blvd, Florence, AL, 35634 | 7.6 | |
| State Farm | Bert Bretherick | 204 Cox Creek Pkwy Ste B, Florence, AL, 35630-1598 | 7.4 | |
| State Farm | Eddie Breakfield | 114 N Marion St, Athens, AL, 35611-2538 | 38.6 | |
| Nationwide | Laura Johnson & Associates Inc | 3203 Woodward Ave, Muscle Shoals, AL, 35661-3321 | 1.5 | |
| Liberty Mutual Independent | Haleyville Insurance Center | 2012 9th Ave, Haleyville, AL, 35565 | 34.4 | |
| State Farm | Jason Parker | 2506 Avalon Ave, Muscle Shoals, AL, 35661-3124 | 1.3 |
| 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 | $1,670 | $840 |
| Colbert County, AL | $108,500 | $998 | $730 | $1,370 | $640 |
| Tri-Cities, AL | $120,300 | $929 | $670 | $1,310 | $640 |
| Muscle Shoals, AL | $139,600 | $857 | $630 | $1,230 | $600 |
| Hatton, AL | $96,200 | $965 | $650 | $1,380 | $730 |
| Town Creek-Courtland, AL | $85,200 | $894 | $610 | $1,240 | $630 |
| Rogersville, AL | $126,900 | $811 | $580 | $1,110 | $530 |
| Loretto, TN | $88,300 | $822 | $600 | $1,180 | $580 |
| Trinity, AL | $157,700 | $1,287 | $890 | $1,830 | $940 |
| Paden, MS | $73,600 | $917 | $610 | $1,270 | $660 |
| Lynn, AL | $65,200 | $751 | $510 | $1,070 | $560 |
| Elkton, TN | $143,100 | $1,019 | $730 | $1,460 | $730 |
| Morgan County, AL | $128,200 | $1,068 | $730 | $1,470 | $740 |