Gavop shows you how to buy homeowners insurance in Colbert County, AL by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Colbert County, 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 | |
| Rutland Ln, Evelyn St, Aycock Cemetery Rd, Southside Dr, Rain Dr, Natchez St, Pershing Ave, Creekside Dr, McClain Ave, Clark Ave | $89,500 | $80,000 | $75,000-$100,000 | $67,000 | $50,000 | $50,000-$75,000 |
| E 14th St, Coondog Cemetery, Baker Ln, Oakhill Ct, Hobson St, Green Acres Rd, Snowdown Cove, S Raleigh Ave, Joshua St, E 5th St | $113,000 | $100,000 | $75,000-$100,000 | $86,500 | $70,000 | $75,000-$100,000 |
| Beverly Dr, E Lamar Ave, Washington Blvd, State Ave, Madelyn Dr, Virginia St, W Highland Ave, Mount Mills Tower Rd, Lagrange College Ln, Hill Ave | $104,500 | $80,000 | $75,000-$100,000 | $76,000 | $60,000 | $75,000-$100,000 |
| E Tuscumbia Decatur Hwy, 3rd St, Spring Valley Ln, High School Rd, Mill Stream Trl, Sloan Dr, US Hwy 72 (Alternate Rte), N Broad St, W Manning Dr, Stone Gap Rd | $122,000 | $110,000 | $125,000-$150,000 | $97,000 | $80,000 | $100,000-$125,000 |
| Rebel Dr, Co Rd 54, Rivermont Dr, Ford St, Bigbee Trl, Guthrie St, J B Minor Rd, Spout Springs Loop, Ames St, Glenview Dr | $132,000 | $110,000 | $100,000-$125,000 | $100,500 | $80,000 | $100,000-$125,000 |
| Howard Creek, Florence Ave, Johnson Dr, Ryan St, N Blacklawn Ln, Gibbs Ln, Gargis Ln, Woodmont Dr, Kirkland Ave, Waddell Ln | $123,500 | $110,000 | $125,000-$150,000 | $75,500 | $70,000 | $75,000-$100,000 |
| Bethlehem Church Rd, Lakeshore Dr S, Andrews Ave, E Jones St, Volunteer Dr, E 18th St, Neill Ct, S Adams St, Bald Knob Rd, SW 13 1/2 Ave | $87,000 | $80,000 | $75,000-$100,000 | $78,000 | $70,000 | $50,000-$75,000 |
| River Rd, Shot Gun Ln, Woodmont Dr, Mount Stanley Rd, Cox Blvd, 4th Ave, S Atlanta Ave, Neil Morris Rd, W 4th St, Veterans Blvd | $76,000 | $70,000 | $50,000-$75,000 | $99,000 | $90,000 | $100,000-$125,000 |
| NE 13th St, Farm, Coburn Mountain Rd, W Richton St, Ingram St, Spout Spring Loop, Jones Rd, S Hamilton Ave, Snowdown Rd, Forest Ave | $141,500 | $130,000 | $150,000-$175,000 | $96,000 | $90,000 | $75,000-$100,000 |
| Smallwood Mountain Rd, E Moses St, Camden Cove E, Maud Rd, Amy Ln, Rutland Chapel Ln, Co Rd 55, Wilson Dam Rd, Highland Cir, Commanche Ln | $134,000 | $120,000 | $125,000-$150,000 | $83,500 | $70,000 | $50,000-$75,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$170 | $829 |
| Superior Protection Discount | -$100 | $899 |
| Fire & Security Discount | -$110 | $889 |
| Hail Resistant Roof Discount | -$20 | $978 |
| Newly Constructed Home Discount | -$260 | $739 |
| 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 |
| Colbert County | $2,000 | $986 | $2,986 | $717 | $2,717 | $270 |
| Colbert County, AL | $1,000 | $986 | $1,986 | $717 | $1,717 | $270 |
| Oakland, AL | $400 | $1,175 | $1,575 | $854 | $1,254 | $321 |
| Killen, AL | $700 | $890 | $1,590 | $647 | $1,347 | $243 |
| Vina, AL | $500 | $813 | $1,313 | $591 | $1,091 | $222 |
| Iron City, TN | $1,000 | $477 | $1,477 | $347 | $1,347 | $130 |
| Lawrence County, AL | $200 | $930 | $1,130 | $676 | $876 | $254 |
| Burnsville, MS | $1,000 | $791 | $1,791 | $575 | $1,575 | $216 |
| Hamilton, AL | $100 | $786 | $886 | $571 | $671 | $215 |
| Salem, AL | $2,000 | $1,146 | $3,146 | $833 | $2,833 | $313 |
| Winston County, AL | $400 | $729 | $1,129 | $530 | $930 | $199 |
| Crump, TN | $1,500 | $878 | $2,378 | $638 | $2,138 | $240 |
| Home Insurance Company Colbert County, AL | Homeowners Insurance Agency Colbert County, AL | Address | Popularity Score | Distance from Colbert County (miles) |
|---|---|---|---|---|
| State Farm | Rebecca Hovater | 501 S Montgomery Ave Ste C, Sheffield, AL, 35660-3861 | 6.8 | |
| State Farm | Michael Howell | 903 S Clinton St, Athens, AL, 35611-3562 | 47.9 | |
| Allstate | Wendy Hall | 2701 Highway 31 S, Decatur, AL, 35603 | 48.3 | |
| Allstate | Randall Larry Hester | 1810 John R St, Muscle Shoals, AL, 35661 | 8.3 | |
| Nationwide | Laura Johnson & Associates Inc | 3203 Woodward Ave, Muscle Shoals, AL, 35661-3321 | 7.9 | |
| Travelers | Tom Jones Insurance | 106 North Main St, Tuscumbia, AL, 35674 | 5.9 | |
| State Farm | Jason Parker | 2506 Avalon Ave, Muscle Shoals, AL, 35661-3124 | 9.8 | |
| Liberty Mutual Independent | Knight Insurance Agency Inc | 815 Bradley St Sw, Decatur, AL, 35601 | 46.6 | |
| Allstate | Jennifer Ricks | 117 Highway 72 E Ste E, Tuscumbia, AL, 35674 | 6.0 | |
| State Farm | Johnny Masoner | 16511 Highway 72, Rogersville, AL, 35652-8139 | 30.3 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Alabama | $132,100 | $1,168 | $850 | $1,620 | $770 |
| Colbert County, AL | $108,500 | $998 | $690 | $1,370 | $680 |
| Colbert County, AL | $108,500 | $998 | $670 | $1,410 | $740 |
| Oakland, AL | $136,400 | $1,189 | $820 | $1,700 | $880 |
| Killen, AL | $153,000 | $901 | $640 | $1,230 | $590 |
| Vina, AL | $75,000 | $823 | $600 | $1,170 | $570 |
| Iron City, TN | $27,200 | $483 | $350 | $690 | $340 |
| Lawrence County, AL | $98,700 | $942 | $680 | $1,290 | $610 |
| Burnsville, MS | $58,000 | $801 | $580 | $1,110 | $530 |
| Hamilton, AL | $93,300 | $795 | $530 | $1,140 | $610 |
| Salem, AL | $130,500 | $1,160 | $820 | $1,610 | $790 |
| Winston County, AL | $82,900 | $738 | $520 | $1,040 | $520 |
| Crump, TN | $104,700 | $889 | $640 | $1,270 | $630 |