Gavop shows you how to buy homeowners insurance in Lawrence County, 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 | $34,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $91,000 | $80,000 | $100,000-$125,000 |
| 3 Bedroom | $88,000 | $80,000 | $75,000-$100,000 |
| 4 Bedroom | $118,500 | $110,000 | $125,000-$150,000 |
| 5 Bedroom | $114,500 | $90,000 | $100,000-$125,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$179 | $763 |
| Superior Protection Discount | -$94 | $848 |
| Fire & Security Discount | -$75 | $866 |
| Hail Resistant Roof Discount | -$19 | $923 |
| Newly Constructed Home Discount | -$207 | $735 |
| 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 |
| Lawrence County | $700 | $930 | $1,630 | $676 | $1,376 | $254 |
| Lawrence County, AL | $2,000 | $930 | $2,930 | $676 | $2,676 | $254 |
| Town Creek-Courtland, AL | $100 | $883 | $983 | $642 | $742 | $241 |
| Trinity, AL | $1,000 | $1,272 | $2,272 | $924 | $1,924 | $347 |
| Russellville, AL | $400 | $810 | $1,210 | $589 | $989 | $221 |
| Mooresville, AL | $700 | $1,042 | $1,742 | $757 | $1,457 | $285 |
| Double Springs, AL | $300 | $639 | $939 | $464 | $764 | $175 |
| Killen, AL | $1,500 | $890 | $2,390 | $647 | $2,147 | $243 |
| Somerville, AL | $100 | $896 | $996 | $651 | $751 | $245 |
| Garden City, AL | $1,000 | $824 | $1,824 | $599 | $1,599 | $225 |
| Golden, MS | $200 | $898 | $1,098 | $653 | $853 | $245 |
| Home Insurance Company Lawrence County, AL | Homeowners Insurance Agency Lawrence County, AL | Address | Popularity Score | Distance from Lawrence County (miles) |
|---|---|---|---|---|
| Allstate | Craig Wiggins | 4040 Balmoral Dr Sw, Huntsville, AL, 35801 | 43.8 | |
| State Farm | Parke Cochran | 883 Cox Creek Pkwy, Florence, AL, 35630-1003 | 29.4 | |
| Farmers | Gary Gibbs | 220 4th Ave Se, Cullman, AL, 35055 | 36.8 | |
| Allstate | Randall Larry Hester | 1810 John R St, Muscle Shoals, AL, 35661 | 24.6 | |
| Allstate | Wendy Hall | 2701 Highway 31 S, Decatur, AL, 35603 | 19.9 | |
| State Farm | Judy Larson | 2046 Beltline Rd Sw Ste 2, Decatur, AL, 35601-5549 | 17.6 | |
| Nationwide | Akin & Associates Inc. | 820 Bradley St Sw, Decatur, AL, 35601 | 18.6 | |
| Liberty Mutual Independent | Knight Insurance Agency Inc | 815 Bradley St Sw, Decatur, AL, 35601 | 18.7 | |
| Allstate | Jennifer Ricks | 117 Highway 72 E Ste E, Tuscumbia, AL, 35674 | 24.9 | |
| Allstate | Blaine Mardis | 2215 Danville Rd Sw Ste I, Decatur, AL, 35601 | 18.0 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Alabama | $132,100 | $1,168 | $790 | $1,610 | $820 |
| Lawrence County, AL | $98,700 | $942 | $640 | $1,310 | $670 |
| Lawrence County, AL | $98,700 | $942 | $670 | $1,340 | $670 |
| Town Creek-Courtland, AL | $85,200 | $894 | $620 | $1,230 | $610 |
| Trinity, AL | $157,700 | $1,287 | $880 | $1,810 | $930 |
| Russellville, AL | $97,900 | $820 | $600 | $1,160 | $560 |
| Mooresville, AL | $210,500 | $1,054 | $720 | $1,440 | $720 |
| Double Springs, AL | $67,800 | $647 | $450 | $890 | $440 |
| Killen, AL | $153,000 | $901 | $600 | $1,250 | $650 |
| Somerville, AL | $154,900 | $906 | $620 | $1,290 | $670 |
| Garden City, AL | $76,600 | $834 | $570 | $1,190 | $620 |
| Golden, MS | $72,500 | $909 | $650 | $1,280 | $630 |