Gavop's guide to buying homeowners insurance in Moody, 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.
| Moody, 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 | |
| St Clair Rd, Penny Ln, Bethel Rd, Johns Ln, Pecan Dr, Palmer Ave, Deblyn Cir, Trails End Ln, Jernigans Rd, Poplar Cir | $196,000 | $180,000 | $200,000-$250,000 | $160,000 | $130,000 | $125,000-$150,000 |
| Tennyson Hill Dr, Hosey Dr, Lake Country Dr, Jeanie Ln, Walnut Dr, Blair Farms Rd, Sycamore Cir, Rachel Dr, Myra's Way, Brookhaven Dr | $155,000 | $130,000 | $125,000-$150,000 | $77,500 | $70,000 | $50,000-$75,000 |
| Kings Ct, Summit Ridge Way, Brady Ln, Mitchell Cir, Overlook Pl, Rocky Ln, Margaret Rd, Joshua Rd, Ridgewood Ln, Foxfire Ln | $121,000 | $110,000 | $100,000-$125,000 | $102,500 | $90,000 | $100,000-$125,000 |
| Cook Springs Rd, Prairie Ln, Sunrise Dr, Queens Ct, Cahaba Ridge Dr, Pine Rd, Woodland Cir, Co Rd 27, Kirkby Cir, Hickory Valley Rd | $113,000 | $90,000 | $125,000-$150,000 | $130,500 | $110,000 | $125,000-$150,000 |
| St Clair County 6, Phillips Rd, Mountain Top Loop, Lake Joyce Rd, Ebenezer Rd, Windsor Ln, Sun Valley Ln, Browns Hollow Rd, Taylor Dr, Magnolia Crest Ln | $173,500 | $160,000 | $175,000-$200,000 | $131,500 | $110,000 | $100,000-$125,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$124 | $761 |
| Superior Protection Discount | -$88 | $796 |
| Fire & Security Discount | -$88 | $796 |
| Hail Resistant Roof Discount | -$18 | $867 |
| Newly Constructed Home Discount | -$177 | $708 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,975 |
| Physical Damage | $2,368 |
| Hail Damage | $4,806 |
| Wind Damage | $6,114 |
| Expensive Claims | |
| Fire | $46,016 |
| Smoke | $16,553 |
| Home Insurance Company Moody, AL | Homeowners Insurance Agency Moody, AL | Address | Popularity Score | Distance from Moody (miles) |
|---|---|---|---|---|
| Allstate | Monty Reed | 253 Us Highway 11, Trussville, AL, 35173 | 8.4 | |
| Travelers | Talladega Insurance Agency | 109 N Spring St, Talladega, AL, 35160 | 22.4 | |
| Allstate | Lamar Yarbrough | 6421 S Chalkville Rd, Trussville, AL, 35173 | 9.4 | |
| State Farm | Connie Myers | 2109 7th Ave N Ste 1, Pell City, AL, 35125-1327 | 9.3 | |
| Travelers | Union State Insurance Inc | 1920 First Ave N Pell City, Pell City, AL, 35125 | 9.2 | |
| Travelers | Union State Insurance Inc | 1920 1st Ave N, Pell City, AL, 35125 | 9.2 | |
| State Farm | Jerri Burnett | 2725 Moody Pkwy, Moody, AL, 35004-3152 | 3.2 | |
| Travelers | West Insurance Agency Inc | 1211 Hamric Dr W, Oxford, AL, 36203 | 33.4 | |
| Travelers | Best Insurance Agency Llc | 122 Chalkville Rd, Trussville, AL, 35173 | 9.7 | |
| Nationwide | Leo Blankenship | 2025 Center Point Pkwy, Birmingham, AL, 35215-4619 | 14.1 |
| 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 | $1,600 | $810 |
| St. Clair County, AL | $142,800 | $1,135 | $820 | $1,580 | $760 |
| Moody, AL | $148,000 | $884 | $600 | $1,210 | $610 |
| Highland Lakes, AL | $436,900 | $2,185 | $1,550 | $3,080 | $1,530 |
| Mount Olive, AL | $156,400 | $1,281 | $860 | $1,770 | $910 |
| Munford, AL | $142,900 | $867 | $590 | $1,200 | $610 |
| Garden City, AL | $76,600 | $834 | $570 | $1,180 | $610 |
| Saks, AL | $97,900 | $820 | $580 | $1,140 | $560 |
| Dodge City, AL | $121,900 | $1,115 | $760 | $1,590 | $830 |
| Weogufka-Marble Valley, AL | $78,500 | $848 | $570 | $1,180 | $610 |
| Baileyton, AL | $106,300 | $1,027 | $750 | $1,460 | $710 |
| Simcoe, AL | $105,400 | $858 | $570 | $1,210 | $640 |
| Kellyton, AL | $103,800 | $1,012 | $730 | $1,410 | $680 |