Gavop's guide to buying homeowners insurance in Gulf Shores, 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $60,000 | $50,000 | $25,000-$50,000 |
| 2 Bedroom | $107,500 | $90,000 | $75,000-$100,000 |
| 3 Bedroom | $119,500 | $110,000 | $100,000-$125,000 |
| 4 Bedroom | $270,500 | $250,000 | $200,000-$250,000 |
| 5 Bedroom | $162,000 | $150,000 | $125,000-$150,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$181 | $822 |
| Superior Protection Discount | -$100 | $903 |
| Fire & Security Discount | -$100 | $903 |
| Hail Resistant Roof Discount | -$30 | $973 |
| Newly Constructed Home Discount | -$281 | $722 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,095 |
| Physical Damage | $2,440 |
| Hail Damage | $4,759 |
| Wind Damage | $6,242 |
| Expensive Claims | |
| Fire | $46,016 |
| Smoke | $16,386 |
| Home Insurance Company Gulf Shores, AL | Homeowners Insurance Agency Gulf Shores, AL | Address | Popularity Score | Distance from Gulf Shores (miles) |
|---|---|---|---|---|
| State Farm | Josh Wild | 908 N Mckenzie St, Foley, AL, 36535-3547 | 9.9 | |
| State Farm | Heath Parker | 4550 Spring Hill Ave, Mobile, AL, 36608-5708 | 39.8 | |
| State Farm | Otto Brewer | 6185 Three Notch Rd, Mobile, AL, 36619-1735 | 36.1 | |
| Travelers | First Baldwin Insurance | 8154 State Highway 59 Ste 208, Foley, AL, 36535 | 5.3 | |
| State Farm | Frances Holk-Jones | 315 E Laurel Ave Ste 101, Foley, AL, 36535-2607 | 9.3 | |
| Travelers | First Baldwin Insurance | 8154 Hwy 59 Ste 201, Foley, AL, 36535 | 4.9 | |
| State Farm | James Daigle | 3986 Government Blvd Ste C, Mobile, AL, 36693-4723 | 36.3 | |
| State Farm | Adrianne Fisher | 4742 Airport Blvd # B, Mobile, AL, 36608-3134 | 39.6 | |
| Farmers | Brian Sanderson | 30 Schillinger Rd N Ste 102, Mobile, AL, 36608 | 42.5 | |
| Farmers | Marilyn Van Bemen | 2316 Knollwood Dr Ste A, Mobile, AL, 36693 | 38.0 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Alabama | $132,100 | $1,168 | $840 | $1,650 | $810 |
| Baldwin County, AL | $182,000 | $1,247 | $890 | $1,770 | $880 |
| Gulf Shores, AL | $251,100 | $1,003 | $670 | $1,420 | $750 |
| Theodore, AL | $121,900 | $793 | $530 | $1,100 | $570 |
| Daphne, AL | $217,600 | $1,355 | $960 | $1,940 | $980 |
| Tiger Point, FL | $244,700 | $2,033 | $1,590 | $2,720 | $1,130 |
| Garcon Point, FL | $315,200 | $2,466 | $1,920 | $3,300 | $1,380 |
| Avalon-Mulat, FL | $165,400 | $1,517 | $1,180 | $2,030 | $850 |
| Woodlawn Beach, FL | $261,400 | $2,138 | $1,670 | $2,860 | $1,190 |
| Satsuma, AL | $153,300 | $902 | $660 | $1,290 | $630 |
| Tanner Williams, AL | $161,600 | $927 | $640 | $1,320 | $680 |
| Allentown, FL | $172,700 | $1,565 | $1,220 | $2,100 | $880 |
| Navarre, FL | $211,100 | $1,226 | $960 | $1,640 | $680 |