Gavop's guide to buying homeowners insurance in Bayou La Batre, 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 | $49,500 | $40,000 | $50,000-$75,000 |
| 2 Bedroom | $89,000 | $70,000 | $75,000-$100,000 |
| 3 Bedroom | $143,000 | $120,000 | $125,000-$150,000 |
| 4 Bedroom | $166,000 | $150,000 | $125,000-$150,000 |
| 5 Bedroom | $303,500 | $290,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$153 | $652 |
| Superior Protection Discount | -$81 | $725 |
| Fire & Security Discount | -$72 | $733 |
| Hail Resistant Roof Discount | -$24 | $781 |
| Newly Constructed Home Discount | -$177 | $628 |
| 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 |
| Mobile County | $2,000 | $1,036 | $3,036 | $753 | $2,753 | $283 |
| Bayou La Batre, AL | $2,000 | $796 | $2,796 | $578 | $2,578 | $217 |
| Moss Point, MS | $500 | $851 | $1,351 | $619 | $1,119 | $233 |
| Mobile County, AL | $700 | $1,036 | $1,736 | $753 | $1,453 | $283 |
| Jackson County, MS | $300 | $1,153 | $1,453 | $838 | $1,138 | $315 |
| Magnolia Springs, AL | $1,500 | $1,609 | $3,109 | $1,170 | $2,670 | $440 |
| Gulf Shores, AL | $500 | $991 | $1,491 | $720 | $1,220 | $271 |
| Silverhill, AL | $1,000 | $1,284 | $2,284 | $933 | $1,933 | $351 |
| Vancleave, MS | $100 | $990 | $1,090 | $719 | $819 | $270 |
| Latimer, MS | $1,000 | $977 | $1,977 | $710 | $1,710 | $267 |
| George County, MS | $400 | $901 | $1,301 | $655 | $1,055 | $246 |
| Bay Minette, AL | $2,000 | $852 | $2,852 | $619 | $2,619 | $233 |
| Home Insurance Company Bayou La Batre, AL | Homeowners Insurance Agency Bayou La Batre, AL | Address | Popularity Score | Distance from Bayou La Batre (miles) |
|---|---|---|---|---|
| State Farm | Josh Wild | 908 N Mckenzie St, Foley, AL, 36535-3547 | 32.1 | |
| Allstate | Garry W. Bulman | 1802 Hand Ave, Bay Minette, AL, 36507 | 47.5 | |
| State Farm | Frances Holk-Jones | 315 E Laurel Ave Ste 101, Foley, AL, 36535-2607 | 32.2 | |
| State Farm | Otto Brewer | 6185 Three Notch Rd, Mobile, AL, 36619-1735 | 18.7 | |
| State Farm | Billy Yates | 9943 Lifeline Ct Ste D, Mobile, AL, 36608-8522 | 24.9 | |
| Allstate | Betsy Mcarn | 207 Tanner Williams Ct Ste A, Mobile, AL, 36608 | 25.9 | |
| State Farm | Adrianne Fisher | 4742 Airport Blvd # B, Mobile, AL, 36608-3134 | 24.7 | |
| State Farm | Andrew Meyers | 2394 Dawes Road, Mobile, AL, 36695 | 22.3 | |
| State Farm | Rebekah Brown | 119 S University Blvd Ste B, Mobile, AL, 36608-3069 | 25.2 | |
| State Farm | Don Hargrove | 5646 Old Pascagoula Rd Ste A, Mobile, AL, 36619-2133 | 18.7 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Alabama | $132,100 | $1,168 | $810 | $1,620 | $810 |
| Mobile County, AL | $124,500 | $1,049 | $770 | $1,490 | $720 |
| Bayou La Batre, AL | $125,300 | $806 | $570 | $1,140 | $570 |
| Moss Point, MS | $89,200 | $862 | $610 | $1,230 | $620 |
| Mobile County, AL | $124,500 | $1,049 | $710 | $1,490 | $780 |
| Jackson County, MS | $125,100 | $1,167 | $780 | $1,670 | $890 |
| Magnolia Springs, AL | $261,100 | $1,629 | $1,090 | $2,310 | $1,220 |
| Gulf Shores, AL | $251,100 | $1,003 | $710 | $1,420 | $710 |
| Silverhill, AL | $160,700 | $1,300 | $880 | $1,810 | $930 |
| Vancleave, MS | $169,400 | $1,002 | $680 | $1,380 | $700 |
| Latimer, MS | $149,000 | $989 | $710 | $1,360 | $650 |
| George County, MS | $98,200 | $912 | $650 | $1,300 | $650 |
| Bay Minette, AL | $141,400 | $862 | $620 | $1,180 | $560 |