Gavop shows you how to buy homeowners insurance in Talladega, AL by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $43,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $98,000 | $90,000 | $75,000-$100,000 |
| 3 Bedroom | $176,500 | $150,000 | $150,000-$175,000 |
| 4 Bedroom | $141,500 | $120,000 | $100,000-$125,000 |
| 5 Bedroom | $348,000 | $320,000 | $350,000-$400,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$119 | $625 |
| Superior Protection Discount | -$67 | $677 |
| Fire & Security Discount | -$74 | $670 |
| Hail Resistant Roof Discount | -$22 | $722 |
| Newly Constructed Home Discount | -$208 | $536 |
| 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 |
| Talladega County | $700 | $910 | $1,610 | $661 | $1,361 | $249 |
| Talladega, AL | $700 | $735 | $1,435 | $534 | $1,234 | $201 |
| West End-Cobb Town, AL | $300 | $782 | $1,082 | $569 | $869 | $214 |
| Hollins, AL | $2,000 | $599 | $2,599 | $435 | $2,435 | $164 |
| Argo, AL | $200 | $1,327 | $1,527 | $964 | $1,164 | $363 |
| Goodwater-Kellyton, AL | $2,500 | $834 | $3,334 | $606 | $3,106 | $228 |
| Shelby, AL | $400 | $989 | $1,389 | $719 | $1,119 | $270 |
| Vestavia Hills, AL | $2,500 | $1,266 | $3,766 | $920 | $3,420 | $346 |
| Gallant, AL | $400 | $1,108 | $1,508 | $805 | $1,205 | $303 |
| Locust Fork, AL | $2,500 | $897 | $3,397 | $652 | $3,152 | $245 |
| Walnut Grove, AL | $100 | $846 | $946 | $615 | $715 | $231 |
| Carlisle-Rockledge, AL | $1,500 | $907 | $2,407 | $659 | $2,159 | $248 |
| Home Insurance Company Talladega, AL | Homeowners Insurance Agency Talladega, AL | Address | Popularity Score | Distance from Talladega (miles) |
|---|---|---|---|---|
| Allstate | Monty Reed | 253 Us Highway 11, Trussville, AL, 35173 | 30.6 | |
| Travelers | Talladega Insurance Agency | 109 N Spring St, Talladega, AL, 35160 | 1.2 | |
| Travelers | Talladega Insurance Agency | 109 N Spring St, Talladega, AL, 35160 | 1.2 | |
| Farmers | Robert Hyche | 1200 Corporate Dr Ste 220, Birmingham, AL, 35242 | 34.4 | |
| Travelers | Crawford-Skinner Agency | 6412 Us Highway 11, Springville, AL, 35146 | 31.9 | |
| Farmers | Tom Gant | 1820 Cogswell Ave, Pell City, AL, 35125 | 15.1 | |
| Travelers | Seals Insurance | 45240 Hwy 78, Lincoln, AL, 35096 | 11.9 | |
| Allstate | Preston Rhodes | 2107 Martin St S Ste 102, Pell City, AL, 35128 | 13.5 | |
| Allstate | The Marcus Agency | 1442 Montgomery Hwy Ste 201, Vestavia, AL, 35216 | 41.3 | |
| State Farm | Connie Myers | 2109 7th Ave N Ste 1, Pell City, AL, 35125-1327 | 15.5 |
| 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 | $1,660 | $850 |
| Talladega County, AL | $95,200 | $921 | $620 | $1,260 | $640 |
| Talladega, AL | $84,100 | $744 | $530 | $1,020 | $490 |
| West End-Cobb Town, AL | $70,700 | $792 | $560 | $1,090 | $530 |
| Hollins, AL | $47,100 | $606 | $420 | $860 | $440 |
| Argo, AL | $171,200 | $1,343 | $970 | $1,890 | $920 |
| Goodwater-Kellyton, AL | $78,000 | $844 | $580 | $1,200 | $620 |
| Shelby, AL | $102,000 | $1,001 | $670 | $1,380 | $710 |
| Vestavia Hills, AL | $360,800 | $1,281 | $880 | $1,760 | $880 |
| Gallant, AL | $123,100 | $1,121 | $820 | $1,560 | $740 |
| Locust Fork, AL | $115,800 | $908 | $630 | $1,250 | $620 |
| Walnut Grove, AL | $79,700 | $856 | $610 | $1,220 | $610 |
| Carlisle-Rockledge, AL | $88,900 | $918 | $620 | $1,270 | $650 |