Gavop shows you how to buy homeowners insurance in Oneonta, AL by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Oneonta, 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 | |
| Valley View Ln, 5th St N, Rock Creek Rd, Johns Dr, Ingram Ave E, Cut Off Rd, Fowler Rd, Old Settlement Rd, Lewis Fortenberry Dr, Cedar Dr | $149,000 | $120,000 | $150,000-$175,000 | $84,500 | $70,000 | $75,000-$100,000 |
| Boat Landing Rd, Kennedy Dr, Glen Abbey Dr, Daylily Ln, Hollingsworth Rd, Hudson Ave, Washburn Dr, Dumas Bridge Rd, Lost Creek Ln, Larocko Rd | $195,500 | $160,000 | $175,000-$200,000 | $126,000 | $100,000 | $100,000-$125,000 |
| Deavers Town Rd, Harmony Ln, Smith Dr, Shady Ln, River Rd, Grandview Dr, Woodard Dr, Hullett Dr, Pine Grove Rd, Nell Cir | $148,000 | $130,000 | $150,000-$175,000 | $91,500 | $80,000 | $75,000-$100,000 |
| Highland Dr, Twin Oaks Dr, Sunset Strip, Midway Rd, Co Rd 29, House Rd, Co Hwy 24, Dogwood Ln, Layman Ave, Treatment Plant Rd | $147,500 | $140,000 | $150,000-$175,000 | $109,500 | $90,000 | $100,000-$125,000 |
| Adams Ave, Holston Rd, Co Rd 39, Easy St, Polk Hill Rd, Tim King Rd, Bowen St, Woodland Dr, Blount County 24, Hill Crest Rd | $182,000 | $160,000 | $125,000-$150,000 | $138,500 | $120,000 | $125,000-$150,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$120 | $737 |
| Superior Protection Discount | -$77 | $780 |
| Fire & Security Discount | -$94 | $763 |
| Hail Resistant Roof Discount | -$17 | $840 |
| Newly Constructed Home Discount | -$197 | $660 |
| 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 |
| Blount County | $700 | $1,025 | $1,725 | $745 | $1,445 | $280 |
| Oneonta, AL | $1,000 | $847 | $1,847 | $616 | $1,616 | $232 |
| Blountsville, AL | $200 | $903 | $1,103 | $656 | $856 | $247 |
| Kimberly-Morris, AL | $2,500 | $908 | $3,408 | $660 | $3,160 | $248 |
| Douglas, AL | $300 | $681 | $981 | $495 | $795 | $186 |
| Baileyton, AL | $2,000 | $1,015 | $3,015 | $737 | $2,737 | $277 |
| Leeds, AL | $300 | $960 | $1,260 | $697 | $997 | $262 |
| Vestavia Hills, AL | $200 | $1,266 | $1,466 | $920 | $1,120 | $346 |
| Dora, AL | $1,500 | $771 | $2,271 | $560 | $2,060 | $211 |
| Lipscomb, AL | $300 | $646 | $946 | $470 | $770 | $177 |
| Concord, AL | $700 | $1,241 | $1,941 | $902 | $1,602 | $339 |
| Home Insurance Company Oneonta, AL | Homeowners Insurance Agency Oneonta, AL | Address | Popularity Score | Distance from Oneonta (miles) |
|---|---|---|---|---|
| State Farm | Kim Lee | 28254 State Highway 75, Oneonta, AL, 35121-1659 | 2.9 | |
| Allstate | Monty Reed | 253 Us Highway 11, Trussville, AL, 35173 | 14.8 | |
| Farmers | Justin Gurley | 717 Kerr Dr, Gardendale, AL, 35071 | 27.4 | |
| Travelers | Seals Insurance | 45240 Hwy 78, Lincoln, AL, 35096 | 26.9 | |
| Travelers | Crawford-Skinner Agency | 6412 Us Highway 11 , Springville, AL, 35146 | 8.8 | |
| Travelers | Crawford-Skinner Agency | 6412 Us Highway 11, Springville, AL, 35146 | 8.9 | |
| State Farm | Karen Acker | 103 2nd Ave W, Oneonta, AL, 35121-1603 | 2.9 | |
| State Farm | Keith Holland | 201 N Main St Ste E, Boaz, AL, 35957-1643 | 26.5 | |
| State Farm | Holt Hathcock | 910 2nd Ave E, Oneonta, AL, 35121-2506 | 3.4 | |
| State Farm | Connie Myers | 2109 7th Ave N Ste 1, Pell City, AL, 35125-1327 | 23.6 |
| 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 | $1,670 | $860 |
| Blount County, AL | $122,200 | $1,038 | $710 | $1,420 | $710 |
| Oneonta, AL | $139,800 | $857 | $630 | $1,170 | $540 |
| Blountsville, AL | $117,000 | $914 | $610 | $1,270 | $660 |
| Kimberly-Morris, AL | $159,000 | $919 | $620 | $1,280 | $660 |
| Douglas, AL | $74,800 | $690 | $460 | $970 | $510 |
| Baileyton, AL | $106,300 | $1,027 | $690 | $1,420 | $730 |
| Leeds, AL | $221,700 | $971 | $710 | $1,380 | $670 |
| Vestavia Hills, AL | $360,800 | $1,281 | $940 | $1,780 | $840 |
| Dora, AL | $90,600 | $780 | $570 | $1,100 | $530 |
| Lipscomb, AL | $52,900 | $654 | $480 | $900 | $420 |
| Concord, AL | $150,700 | $1,256 | $850 | $1,780 | $930 |