Gavop's guide to buying homeowners insurance in Heflin, 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 | $27,000 | $20,000 | $0-$25,000 |
| 2 Bedroom | $91,000 | $80,000 | $100,000-$125,000 |
| 3 Bedroom | $113,000 | $100,000 | $100,000-$125,000 |
| 4 Bedroom | $141,000 | $120,000 | $125,000-$150,000 |
| 5 Bedroom | $227,500 | $200,000 | $175,000-$200,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$135 | $766 |
| Superior Protection Discount | -$81 | $820 |
| Fire & Security Discount | -$99 | $802 |
| Hail Resistant Roof Discount | -$18 | $883 |
| Newly Constructed Home Discount | -$207 | $694 |
| 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 | $1,000 | $879 | $1,879 | $639 | $1,639 | $240 |
| Heflin, AL | $2,500 | $891 | $3,391 | $647 | $3,147 | $243 |
| Nances Creek, AL | $400 | $1,085 | $1,485 | $788 | $1,188 | $296 |
| Woodland, AL | $2,500 | $927 | $3,427 | $673 | $3,173 | $253 |
| Randolph County, AL | $500 | $742 | $1,242 | $539 | $1,039 | $203 |
| Cherokee County, AL | $700 | $900 | $1,600 | $654 | $1,354 | $246 |
| Heard County, GA | $200 | $688 | $888 | $500 | $700 | $188 |
| Ragland, AL | $700 | $900 | $1,600 | $654 | $1,354 | $246 |
| Goodwater, AL | $2,500 | $808 | $3,308 | $587 | $3,087 | $221 |
| Childersburg, AL | $200 | $754 | $954 | $548 | $748 | $206 |
| Grantville, GA | $700 | $718 | $1,418 | $522 | $1,222 | $196 |
| Home Insurance Company Heflin, AL | Homeowners Insurance Agency Heflin, AL | Address | Popularity Score | Distance from Heflin (miles) |
|---|---|---|---|---|
| Allstate | Tyler Elliott | 305 W Grand Ave, Rainbow City, AL, 35906 | 35.0 | |
| Allstate | Billy Kemp | 1197 Highway 77, Southside, AL, 35907 | 32.9 | |
| State Farm | Paul Harris | 915 W Meighan Blvd, Gadsden, AL, 35901-3327 | 36.7 | |
| State Farm | Larry Currie | 425 East 10th Street, Anniston, AL, 36207-4789 | 12.8 | |
| Liberty Mutual Independent | The Parnell Insurance Agency | 400 Snow St, Oxford, AL, 36203 | 12.7 | |
| Travelers | Johnson Insurance Agency | 819-C W Main St, Centre, AL, 35960 | 38.0 | |
| Farmers | Phillip Fikes | 105 Locust St Ste 1c, Gadsden, AL, 35901 | 35.8 | |
| Nationwide | Mark Lee Insurance Agency Inc. | 320 Snow St Ste A, Oxford, AL, 36203 | 12.8 | |
| Allstate | Chad Lincoln | 1027 S Quintard Ave, Anniston, AL, 36201 | 12.6 | |
| State Farm | Matthew Maniscalco | 250 Davis Loop, Oxford, AL, 36203-3454 | 10.7 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Alabama | $132,100 | $1,168 | $840 | $1,650 | $810 |
| Cleburne County, AL | $111,800 | $890 | $600 | $1,260 | $660 |
| Heflin, AL | $114,400 | $901 | $620 | $1,250 | $630 |
| Nances Creek, AL | $118,900 | $1,098 | $780 | $1,530 | $750 |
| Woodland, AL | $92,000 | $938 | $640 | $1,290 | $650 |
| Randolph County, AL | $85,200 | $751 | $520 | $1,060 | $540 |
| Cherokee County, AL | $116,300 | $911 | $660 | $1,260 | $600 |
| Heard County, GA | $100,500 | $697 | $500 | $1,000 | $500 |
| Ragland, AL | $116,500 | $911 | $630 | $1,300 | $670 |
| Goodwater, AL | $74,300 | $818 | $580 | $1,120 | $540 |
| Childersburg, AL | $87,500 | $764 | $520 | $1,090 | $570 |
| Grantville, GA | $122,900 | $727 | $530 | $1,030 | $500 |