Gavop's guide to buying homeowners insurance in Muscle Shoals, 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.
| Muscle Shoals, 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 | |
| Springer St, Jackson Hwy, Tennessee River Rd, SW Broadway, Florence Ave, Wheeler View Dr, Helen Dr, Center St, Bethel Cemetery Rd, Duncan Ln | $145,500 | $130,000 | $150,000-$175,000 | $126,000 | $100,000 | $125,000-$150,000 |
| Whitfield, W 11th St, Elliott Ave, Oak Villa Ln, Mule Dr, S Brown St, Co Rd 78, Ohllson Ave, College St, SE Sheffield Ave | $167,500 | $150,000 | $125,000-$150,000 | $135,500 | $120,000 | $125,000-$150,000 |
| NE Central Ave, Anna Ave, Sadie Roberson St, Country Cir, Lenz St, E Grandview Dr, Bogue Ln, Julie Ann Dr, Roosevelt Ave, Sheffield Ave | $145,000 | $130,000 | $100,000-$125,000 | $81,000 | $70,000 | $75,000-$100,000 |
| Vandiver Hollow Rd, Buena Vista Ave, Industrial Dr, N Lafayette St, Bull Skull Rd, Hampton Cir, Catalpa St, Elledge Ln, E Cooke St, E 19th St | $149,500 | $130,000 | $150,000-$175,000 | $98,500 | $90,000 | $75,000-$100,000 |
| E Jackson Ave, W Highland Ave, Shirley Dr, N Wilson Dam Hwy, Co Rd 79, Country Ln, Central, Geneva Ave, Pershing Ave, Puritan Ave | $184,000 | $150,000 | $175,000-$200,000 | $93,500 | $90,000 | $75,000-$100,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$77 | $780 |
| Home and Two Car | -$137 | $720 |
| Home and Three Car | -$214 | $643 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,276 |
| Physical Damage | $2,368 |
| Hail Damage | $4,665 |
| Wind Damage | $6,433 |
| Expensive Claims | |
| Fire | $46,016 |
| Smoke | $17,389 |
| Home Insurance Company Muscle Shoals, AL | Homeowners Insurance Agency Muscle Shoals, AL | Address | Popularity Score | Distance from Muscle Shoals (miles) |
|---|---|---|---|---|
| State Farm | Diana Fisher | 15480 Highway 43 Suite H, Russellville, AL, 35653-8086 | 16.4 | |
| State Farm | Eddie Breakfield | 114 N Marion St, Athens, AL, 35611-2538 | 37.9 | |
| State Farm | Britt Blanton | 365 Highway 72 Ste 2, Killen, AL, 35645-2841 | 8.7 | |
| State Farm | Bert Bretherick | 204 Cox Creek Pkwy Ste B, Florence, AL, 35630-1598 | 6.2 | |
| State Farm | Rebecca Hovater | 501 S Montgomery Ave Ste C, Sheffield, AL, 35660-3861 | 3.8 | |
| Allstate | Randall Larry Hester | 1810 John R St, Muscle Shoals, AL, 35661 | 1.8 | |
| Nationwide | Laura Johnson & Associates Inc | 3203 Woodward Ave, Muscle Shoals, AL, 35661-3321 | 2.1 | |
| Travelers | Tom Jones Insurance | 106 North Main St, Tuscumbia, AL, 35674 | 4.0 | |
| State Farm | Jason Parker | 2506 Avalon Ave, Muscle Shoals, AL, 35661-3124 | 0.2 | |
| Travelers | Knight Insurance Agency Inc | 815 Bradley St Sw, Decatur, AL, 35601 | 38.1 |
| 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 | $1,620 | $830 |
| Colbert County, AL | $108,500 | $998 | $690 | $1,420 | $730 |
| Muscle Shoals, AL | $139,600 | $857 | $580 | $1,170 | $590 |
| Florence, AL | $126,200 | $1,057 | $750 | $1,510 | $760 |
| Rogersville, AL | $126,900 | $811 | $560 | $1,110 | $550 |
| Hillsboro, AL | $104,500 | $1,016 | $730 | $1,430 | $700 |
| Salem, AL | $130,500 | $1,160 | $780 | $1,660 | $880 |
| Iuka, MS | $100,500 | $1,102 | $740 | $1,510 | $770 |
| Decatur, AL | $124,700 | $1,050 | $720 | $1,480 | $760 |
| Double Springs, AL | $67,800 | $647 | $430 | $920 | $490 |
| Bexar, AL | $99,400 | $985 | $720 | $1,400 | $680 |
| Morgan County, AL | $128,200 | $1,068 | $730 | $1,520 | $790 |