Gavop's guide to buying homeowners insurance in Cleburne County, 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 | $45,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $120,000 | $110,000 | $100,000-$125,000 |
| 3 Bedroom | $100,000 | $90,000 | $100,000-$125,000 |
| 4 Bedroom | $207,000 | $190,000 | $175,000-$200,000 |
| 5 Bedroom | $307,000 | $290,000 | $350,000-$400,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$80 | $809 |
| Home and Two Car | -$151 | $738 |
| Home and Three Car | -$205 | $685 |
| 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 |
| Cleburne County | $1,500 | $879 | $2,379 | $639 | $2,139 | $240 |
| Cleburne County, AL | $2,000 | $879 | $2,879 | $639 | $2,639 | $240 |
| Bowdon, GA | $400 | $663 | $1,063 | $482 | $882 | $181 |
| Anniston, AL | $1,000 | $949 | $1,949 | $690 | $1,690 | $259 |
| Centralhatchee, GA | $100 | $644 | $744 | $468 | $568 | $176 |
| Cedar Bluff, AL | $700 | $912 | $1,612 | $663 | $1,363 | $249 |
| Wills Valley, AL | $500 | $871 | $1,371 | $633 | $1,133 | $238 |
| Hillcrest, GA | $2,000 | $1,030 | $3,030 | $749 | $2,749 | $282 |
| Palmetto, GA | $200 | $712 | $912 | $517 | $717 | $195 |
| Carlisle-Rockledge, AL | $2,500 | $907 | $3,407 | $659 | $3,159 | $248 |
| East Newnan, GA | $100 | $652 | $752 | $474 | $574 | $178 |
| Powder Springs, GA | $700 | $927 | $1,627 | $673 | $1,373 | $253 |
| Home Insurance Company Cleburne County, AL | Homeowners Insurance Agency Cleburne County, AL | Address | Popularity Score | Distance from Cleburne County (miles) |
|---|---|---|---|---|
| Allstate | Cody Coffey | 1553 Chesnut Byp, Centre, AL, 35960 | 35.3 | |
| Travelers | Dormon & Reynolds Insurance Inc | 1227 Leighton Ave, Anniston, AL, 36207 | 17.8 | |
| Travelers | Talladega Insurance Agency | 109 N Spring St, Talladega, AL, 35160 | 37.7 | |
| State Farm | Steve Templeton | 1304 Ross St, Heflin, AL, 36264-1031 | 4.1 | |
| Liberty Mutual Independent | The Parnell Insurance Agency | 400 Snow St, Oxford, AL, 36203 | 18.5 | |
| Liberty Mutual Independent | Shannon & Banks Inc | 200 Chestnut St, Gadsden, AL, 35901 | 36.4 | |
| Nationwide | Mark Lee Insurance Agency Inc. | 320 Snow St Ste A, Oxford, AL, 36203 | 18.6 | |
| Liberty Mutual Independent | West Insurance Agency Inc | 1211 West Hamric Drive, Oxford, AL, 36203 | 20.9 | |
| State Farm | Connie Myers | 2109 7th Ave N Ste 1, Pell City, AL, 35125-1327 | 44.6 | |
| Travelers | Union State Insurance Inc | 1920 First Ave N Pell City, Pell City, AL, 35125 | 44.7 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Alabama | $132,100 | $1,168 | $810 | $1,620 | $810 |
| Cleburne County, AL | $111,800 | $890 | $640 | $1,240 | $600 |
| Cleburne County, AL | $111,800 | $890 | $600 | $1,250 | $650 |
| Bowdon, GA | $109,600 | $671 | $460 | $950 | $490 |
| Anniston, AL | $102,100 | $961 | $690 | $1,340 | $650 |
| Centralhatchee, GA | $84,500 | $652 | $440 | $920 | $480 |
| Cedar Bluff, AL | $89,600 | $923 | $640 | $1,260 | $620 |
| Wills Valley, AL | $83,500 | $882 | $640 | $1,240 | $600 |
| Hillcrest, GA | $167,600 | $1,043 | $740 | $1,440 | $700 |
| Palmetto, GA | $121,400 | $721 | $510 | $1,020 | $510 |
| Carlisle-Rockledge, AL | $88,900 | $918 | $650 | $1,270 | $620 |
| East Newnan, GA | $85,600 | $660 | $460 | $940 | $480 |
| Powder Springs, GA | $148,900 | $938 | $650 | $1,330 | $680 |