How Can I Make My Decatur, AL Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Decatur, 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.
Compare Quotes from Top Providers and Save now!
Estimate Appropriate Decatur, AL Home Insurance Coverage Levels | Back to Top
| Decatur, 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 | |
| Brandywine Ct SE, Cedar St, McNair St SW, Cherry St NW, Fletcher Ave SW, Harold Dr, Cedar Lake Rd SW, Plaza St SE, 10th Ave SE, Buena Vista Cir SE | $169,500 | $150,000 | $125,000-$150,000 | $133,500 | $110,000 | $100,000-$125,000 |
| Kensington Way SW, Aldingham Dr SW, Vestavia Dr, 13th St SE, Little John St SW, River Bend Rd, 6th Ave SW, Old Trinity Rd, Rigel Cir SW, Palmetto Dr SE | $166,500 | $150,000 | $150,000-$175,000 | $86,000 | $80,000 | $75,000-$100,000 |
| Surrey Ln SE, Sherman St SE, Line St NE, Old Mountain Rd SW, Process Dr NW, Prentiss Dr, Jackson St SE, Conner St SE, Sims St SW, Lake Manor Dr SW | $161,500 | $140,000 | $125,000-$150,000 | $149,500 | $120,000 | $100,000-$125,000 |
| Church St SE, 4th Ave SW, Memorial Dr SW, Terrapin Dr, Dogwood Ln SE, Freeman Ave SW, 15th Ave SW, Beech St SE, Glenn St SW, Berkshire Way SW | $96,000 | $80,000 | $75,000-$100,000 | $112,500 | $100,000 | $75,000-$100,000 |
| 8th St SW, Monticello St SW, Blueberry Ln SW, Prospect Dr SE, Piccadilly Circus SW, James St SW, Cedarhurst Ct, 5th St NW, Murphree Rd SE, Elizabeth Ave SE | $164,000 | $140,000 | $150,000-$175,000 | $123,000 | $110,000 | $100,000-$125,000 |
| Oxford Cir SW, Brookridge Dr SW, George Russell Pvt Dr, Leslie St, 5th Ave NW, Raper Rd, Whitlow Rd, 2nd St NW, Arms Ave SE, Quince Dr SE | $178,000 | $140,000 | $150,000-$175,000 | $120,500 | $100,000 | $100,000-$125,000 |
| Robinson St SW, 3rd Ave SW, Ragland St, Briar Ave, Longfellow Ct SW, Cecil St SW, Rough Oak Pvt Dr, Edlingham Castle Dr SW, Commodore Ct SE, Chapel Hill Rd SW | $124,000 | $110,000 | $125,000-$150,000 | $84,500 | $70,000 | $75,000-$100,000 |
| Farmington Rd SW, Sexton Rd SE, Yorktown Cir, N Greenway Dr, Hampton Cir SW, Bruce St SW, Somerville Rd SE, Vapor Trl, Finley Dr NW, Westwood Cir SW | $123,500 | $110,000 | $125,000-$150,000 | $128,000 | $110,000 | $125,000-$150,000 |
| 21st Ave SE, Lee St NE, Melbourne St SW, Lamon Dr, S Greenway Dr, Shady Grove Ln SW, Bryan Ave NW, Saint Andrews St SW, Lowery St SW, Adams Dr NW | $162,000 | $150,000 | $150,000-$175,000 | $135,000 | $120,000 | $100,000-$125,000 |
| Park Ter SE, Loring Ave SE, Newman Cir, Terry Dr, Bromwich St, 18th Ave SE, 14th Ave SW, Pin Oak Cir SW, Church St NW, 8th Ave NE | $81,500 | $70,000 | $75,000-$100,000 | $66,500 | $50,000 | $50,000-$75,000 |
Estimate your Savings with Home Insurance Discounts in Decatur, AL | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$199 | $850 |
| Superior Protection Discount | -$94 | $955 |
| Fire & Security Discount | -$73 | $976 |
| Hail Resistant Roof Discount | -$31 | $1,018 |
| Newly Constructed Home Discount | -$231 | $819 |
Choose your Decatur, AL Home Insurance Coverage for your Specific Claim Requirement | Back to Top
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,733 |
| Physical Damage | $2,537 |
| Hail Damage | $4,524 |
| Wind Damage | $6,433 |
| Expensive Claims | |
| Fire | $45,123 |
| Smoke | $16,051 |
Identify Top Home Insurance Agents near Decatur, AL | Back to Top
| Home Insurance Company Decatur, AL | Homeowners Insurance Agency Decatur, AL | Address | Popularity Score | Distance from Decatur (miles) |
|---|---|---|---|---|
| State Farm | Steve Pierce | 3001 Cloverdale Rd, Florence, AL, 35633-1477 | 41.9 | |
| State Farm | Robbie Barnes | 1801 Somerville Rd Se, Decatur, AL, 35601-5015 | 3.5 | |
| State Farm | Eddie Breakfield | 114 N Marion St, Athens, AL, 35611-2538 | 16.2 | |
| Farmers | Bruce Payne | 1794 S Bethel Rd Ste B, Decatur, AL, 35603 | 8.6 | |
| State Farm | Jim Prince | 2701 Mall Rd Ste 2, Florence, AL, 35630-2886 | 39.0 | |
| Nationwide | Akin & Associates Inc. | 820 Bradley St Sw, Decatur, AL, 35601 | 1.9 | |
| Allstate | Adam Lauderdale | 1207 E Forrest St Ste C, Athens, AL, 35613 | 16.0 | |
| Liberty Mutual Independent | Knight Insurance Agency Inc | 815 Bradley St Sw, Decatur, AL, 35601 | 1.9 | |
| Allstate | Blaine Mardis | 2215 Danville Rd Sw Ste I, Decatur, AL, 35601 | 1.2 | |
| Travelers | Burkett & Associates Insurance Agency Inc | 2400 Bob Wallace Ave Ste 206, Huntsville, AL, 35805 | 26.5 |
Compare Rates for Decatur, AL Home Insurance Providers | Back to Top
| 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 |
| Morgan County, AL | $128,200 | $1,068 | $770 | $1,470 | $700 |
| Decatur, AL | $124,700 | $1,050 | $700 | $1,460 | $760 |
| Mount Hope, AL | $98,300 | $978 | $670 | $1,350 | $680 |
| Elkton, TN | $143,100 | $1,019 | $690 | $1,400 | $710 |
| Arab, AL | $128,200 | $816 | $550 | $1,170 | $620 |
| Tuscumbia, AL | $107,300 | $867 | $580 | $1,200 | $620 |
| Phil Campbell, AL | $69,100 | $655 | $470 | $900 | $430 |
| Brooksville, AL | $86,000 | $899 | $650 | $1,230 | $580 |
| Guntersville, AL | $142,000 | $865 | $580 | $1,180 | $600 |
| Bear Creek, AL | $48,400 | $617 | $440 | $880 | $440 |
| Flintville, TN | $73,500 | $753 | $550 | $1,070 | $520 |
| Nauvoo, AL | $75,700 | $828 | $600 | $1,130 | $530 |
Research Home Insurance Companies Reviews in Decatur, AL Before Buying | Back to Top
Share a review on your home insurance company
State Farm Home Insurance Reviews
Date: October 23, 2019 Age: Above 60 Gender: Female Marital Status: Married
Customer Service
State Farm's agent and staff are always available when I need them, by telephone or in person. If they don't have an answer to my question immediately, they'll get it fast.
Date: June 10, 2019 Age: 30 to 39 Gender: Unmarried Marital Status: Female
Premium
My premium has been discounted since I also use State Farm for my auto insurance. Therefore, I feel like my premiums are pretty good.