Gavop's guide to buying homeowners insurance in Guntersville, 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 | $62,000 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $155,500 | $140,000 | $150,000-$175,000 |
| 3 Bedroom | $154,000 | $120,000 | $125,000-$150,000 |
| 4 Bedroom | $280,500 | $250,000 | $250,000-$300,000 |
| 5 Bedroom | $318,500 | $290,000 | $350,000-$400,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$138 | $726 |
| Superior Protection Discount | -$86 | $778 |
| Fire & Security Discount | -$86 | $778 |
| Hail Resistant Roof Discount | -$17 | $847 |
| Newly Constructed Home Discount | -$233 | $631 |
| 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 |
| Marshall County | $1,000 | $1,007 | $2,007 | $732 | $1,732 | $275 |
| Guntersville, AL | $1,500 | $854 | $2,354 | $621 | $2,121 | $233 |
| Fyffe, AL | $1,500 | $837 | $2,337 | $608 | $2,108 | $229 |
| Cleveland, AL | $100 | $1,057 | $1,157 | $768 | $868 | $289 |
| Turkeytown, AL | $700 | $982 | $1,682 | $714 | $1,414 | $268 |
| Rainbow City, AL | $300 | $881 | $1,181 | $640 | $940 | $241 |
| Sand Rock, AL | $2,000 | $1,262 | $3,262 | $917 | $2,917 | $345 |
| Huntsville, AL | $300 | $1,208 | $1,508 | $878 | $1,178 | $330 |
| Henagar, AL | $700 | $799 | $1,499 | $581 | $1,281 | $218 |
| Ohatchee, AL | $500 | $996 | $1,496 | $724 | $1,224 | $272 |
| Trussville, AL | $700 | $964 | $1,664 | $701 | $1,401 | $263 |
| Home Insurance Company Guntersville, AL | Homeowners Insurance Agency Guntersville, AL | Address | Popularity Score | Distance from Guntersville (miles) |
|---|---|---|---|---|
| Allstate | Michael Higdon | 1024 Blount Ave, Guntersville, AL, 35976 | 3.1 | |
| State Farm | Meri Beth Mabry | 712 A Jackson Way Ne, Huntsville, AL, 35801-3503 | 33.2 | |
| Farmers | Jay Rains | 201 E Mckinney Ave Ste B, Albertville, AL, 35950 | 7.2 | |
| State Farm | Christina Smith | 7262 Governors West Nw Ste 103, Huntsville, AL, 35806-2378 | 34.3 | |
| State Farm | Pierce Harris | 1246 Gunter Ave, Guntersville, AL, 35976-1842 | 2.9 | |
| State Farm | Brian Wiggins | 8871 Madison Blvd Ste A, Madison, AL, 35758-1807 | 35.2 | |
| State Farm | Keith Holland | 201 N Main St Ste E, Boaz, AL, 35957-1643 | 11.7 | |
| Nationwide | Akin & Associates Inc. | 820 Bradley St Sw, Decatur, AL, 35601 | 42.7 | |
| Travelers | Shannon & Banks Inc | 200 Chestnut St, Ste B, Gadsden, AL, 35901 | 27.6 | |
| Travelers | Knight Insurance Agency Inc | 815 Bradley St Sw, Decatur, AL, 35601 | 42.7 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Alabama | $132,100 | $1,168 | $780 | $1,600 | $820 |
| Marshall County, AL | $118,500 | $1,019 | $690 | $1,460 | $770 |
| Guntersville, AL | $142,000 | $865 | $620 | $1,200 | $580 |
| Fyffe, AL | $103,100 | $847 | $580 | $1,170 | $590 |
| Cleveland, AL | $113,900 | $1,070 | $730 | $1,490 | $760 |
| Turkeytown, AL | $100,800 | $994 | $720 | $1,400 | $680 |
| Rainbow City, AL | $150,200 | $892 | $650 | $1,270 | $620 |
| Sand Rock, AL | $155,300 | $1,277 | $910 | $1,760 | $850 |
| Huntsville, AL | $164,300 | $1,223 | $840 | $1,700 | $860 |
| Henagar, AL | $73,100 | $809 | $570 | $1,160 | $590 |
| Ohatchee, AL | $103,200 | $1,008 | $740 | $1,430 | $690 |
| Trussville, AL | $235,700 | $976 | $670 | $1,390 | $720 |