Gavop's guide to buying homeowners insurance in Sipsey, 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 | $29,500 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $69,000 | $70,000 | $75,000-$100,000 |
| 3 Bedroom | $117,000 | $110,000 | $125,000-$150,000 |
| 4 Bedroom | $180,000 | $150,000 | $150,000-$175,000 |
| 5 Bedroom | $97,500 | $90,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$133 | $607 |
| Superior Protection Discount | -$67 | $673 |
| Fire & Security Discount | -$59 | $681 |
| Hail Resistant Roof Discount | -$22 | $718 |
| Newly Constructed Home Discount | -$163 | $577 |
| 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 |
| Walker County | $1,500 | $861 | $2,361 | $626 | $2,126 | $235 |
| Sipsey, AL | $2,500 | $731 | $3,231 | $531 | $3,031 | $200 |
| Empire, AL | $100 | $743 | $843 | $540 | $640 | $203 |
| Parrish, AL | $1,500 | $755 | $2,255 | $549 | $2,049 | $206 |
| Addison, AL | $200 | $891 | $1,091 | $647 | $847 | $243 |
| Double Springs, AL | $2,500 | $639 | $3,139 | $464 | $2,964 | $175 |
| Hanceville, AL | $100 | $773 | $873 | $562 | $662 | $211 |
| Blountsville, AL | $2,500 | $903 | $3,403 | $656 | $3,156 | $247 |
| Center Point, AL | $300 | $812 | $1,112 | $590 | $890 | $222 |
| Speake-Oakville, AL | $700 | $900 | $1,600 | $654 | $1,354 | $246 |
| Brookwood, AL | $300 | $1,013 | $1,313 | $736 | $1,036 | $277 |
| Hackleburg, AL | $700 | $872 | $1,572 | $634 | $1,334 | $238 |
| Home Insurance Company Sipsey, AL | Homeowners Insurance Agency Sipsey, AL | Address | Popularity Score | Distance from Sipsey (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Lacy Grice Insurance Agency | 1917 3rd Avenue, Jasper, AL, 35501 | 8.9 | |
| State Farm | Robbie Barnes | 1801 Somerville Rd Se, Decatur, AL, 35601-5015 | 47.4 | |
| Liberty Mutual Independent | Lacy Grice Insurance Agency | 1917 3rd Ave S, Jasper, AL, 35501 | 8.7 | |
| Farmers | William Hart | 2 Riverchase Office Plz Ste 214, Hoover, AL, 35244 | 42.7 | |
| State Farm | Karen Acker | 103 2nd Ave W, Oneonta, AL, 35121-1603 | 38.7 | |
| Travelers | Doug Jinks Insurance Center Inc | 22680 Bucksville Road, Mccalla, AL, 35111 | 43.5 | |
| Nationwide | Akin & Associates Inc. | 820 Bradley St Sw, Decatur, AL, 35601 | 46.6 | |
| State Farm | Anthony Christian | 4505 Highway 78 E Ste 50, Jasper, AL, 35501-8883 | 6.4 | |
| State Farm | Charles Hill | 1302 Highway 78 E, Jasper, AL, 35501-3965 | 7.5 | |
| Travelers | King Insurance Agency | 207 Johnston St Se Ste 101, Decatur, AL, 35601 | 48.9 |
| 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 | $1,620 | $830 |
| Walker County, AL | $87,300 | $872 | $580 | $1,240 | $660 |
| Sipsey, AL | $83,400 | $740 | $500 | $1,050 | $550 |
| Empire, AL | $65,300 | $752 | $540 | $1,060 | $520 |
| Parrish, AL | $66,900 | $764 | $510 | $1,050 | $540 |
| Addison, AL | $114,400 | $901 | $600 | $1,230 | $630 |
| Double Springs, AL | $67,800 | $647 | $470 | $920 | $450 |
| Hanceville, AL | $91,100 | $783 | $570 | $1,070 | $500 |
| Blountsville, AL | $117,000 | $914 | $670 | $1,260 | $590 |
| Center Point, AL | $98,200 | $822 | $590 | $1,160 | $570 |
| Speake-Oakville, AL | $87,800 | $911 | $670 | $1,300 | $630 |
| Brookwood, AL | $106,000 | $1,025 | $740 | $1,420 | $680 |
| Hackleburg, AL | $83,600 | $883 | $640 | $1,210 | $570 |