Gavop's guide to buying homeowners insurance in Limestone 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 | $54,000 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $92,500 | $80,000 | $75,000-$100,000 |
| 3 Bedroom | $99,000 | $80,000 | $100,000-$125,000 |
| 4 Bedroom | $262,500 | $230,000 | $250,000-$300,000 |
| 5 Bedroom | $141,000 | $120,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$195 | $954 |
| Superior Protection Discount | -$115 | $1,035 |
| Fire & Security Discount | -$103 | $1,046 |
| Hail Resistant Roof Discount | -$34 | $1,115 |
| Newly Constructed Home Discount | -$241 | $908 |
| 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 |
| Limestone County | $2,000 | $1,136 | $3,136 | $825 | $2,825 | $310 |
| Limestone County, AL | $700 | $1,136 | $1,836 | $825 | $1,525 | $310 |
| Mooresville, AL | $200 | $1,042 | $1,242 | $757 | $957 | $285 |
| Ardmore, AL | $2,000 | $1,033 | $3,033 | $751 | $2,751 | $282 |
| Moores Mill, AL | $300 | $908 | $1,208 | $660 | $960 | $248 |
| Moulton, AL | $2,000 | $899 | $2,899 | $653 | $2,653 | $246 |
| Union Grove, AL | $200 | $796 | $996 | $578 | $778 | $217 |
| South Vinemont, AL | $2,500 | $1,057 | $3,557 | $768 | $3,268 | $289 |
| Sheffield, AL | $200 | $755 | $955 | $549 | $749 | $206 |
| Jones Chapel, AL | $2,000 | $1,019 | $3,019 | $740 | $2,740 | $278 |
| Paint Rock, AL | $200 | $939 | $1,139 | $682 | $882 | $257 |
| Welti, AL | $1,000 | $1,041 | $2,041 | $757 | $1,757 | $285 |
| Home Insurance Company Limestone County, AL | Homeowners Insurance Agency Limestone County, AL | Address | Popularity Score | Distance from Limestone County (miles) |
|---|---|---|---|---|
| State Farm | Wendy Burpee | 8097 Madison Blvd Ste 104, Madison, AL, 35758-2043 | 17.0 | |
| Nationwide | Scott Howell & Associates Inc | 1114 Hwy 31 S Ste E, Athens, AL, 35611-4471 | 2.5 | |
| State Farm | Michael Howell | 903 S Clinton St, Athens, AL, 35611-3562 | 1.7 | |
| State Farm | Eddie Breakfield | 114 N Marion St, Athens, AL, 35611-2538 | 0.8 | |
| Farmers | Bruce Payne | 1794 S Bethel Rd Ste B, Decatur, AL, 35603 | 20.3 | |
| Allstate | Brad Johnson | 26978 Us Highway 72 Ste C, Athens, AL, 35613 | 8.2 | |
| Travelers | Burkett & Associates Insurance Agency Inc | 2400 Bob Wallace Ave Sw Ste #206, Huntsville, AL, 35805 | 22.9 | |
| State Farm | Tim Barron | 151 Hughes Rd Ste A, Madison, AL, 35758-1100 | 15.5 | |
| Allstate | Adam Lauderdale | 1207 E Forrest St Ste C, Athens, AL, 35613 | 1.9 | |
| Allstate | Jennifer Ricks | 117 Highway 72 E Ste E, Tuscumbia, AL, 35674 | 41.2 |
| 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 | $1,660 | $870 |
| Limestone County, AL | $146,300 | $1,149 | $780 | $1,630 | $850 |
| Limestone County, AL | $146,300 | $1,149 | $770 | $1,590 | $820 |
| Mooresville, AL | $210,500 | $1,054 | $760 | $1,510 | $750 |
| Ardmore, AL | $109,600 | $1,046 | $740 | $1,440 | $700 |
| Moores Mill, AL | $159,000 | $919 | $620 | $1,310 | $690 |
| Moulton, AL | $116,100 | $910 | $650 | $1,290 | $640 |
| Union Grove, AL | $125,300 | $806 | $560 | $1,100 | $540 |
| South Vinemont, AL | $113,900 | $1,070 | $770 | $1,510 | $740 |
| Sheffield, AL | $87,700 | $764 | $550 | $1,090 | $540 |
| Jones Chapel, AL | $107,100 | $1,031 | $730 | $1,470 | $740 |
| Paint Rock, AL | $93,800 | $950 | $690 | $1,340 | $650 |
| Welti, AL | $111,000 | $1,054 | $750 | $1,510 | $760 |