Gavop's guide to buying homeowners insurance in Kimberly-Morris, 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 | $53,500 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $136,500 | $120,000 | $125,000-$150,000 |
| 3 Bedroom | $207,000 | $190,000 | $150,000-$175,000 |
| 4 Bedroom | $262,500 | $220,000 | $250,000-$300,000 |
| 5 Bedroom | $269,000 | $250,000 | $300,000-$350,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$74 | $846 |
| Home and Two Car | -$156 | $763 |
| Home and Three Car | -$211 | $708 |
| 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 |
| Jefferson County | $2,500 | $1,148 | $3,648 | $834 | $3,334 | $314 |
| Kimberly, AL | $2,500 | $908 | $3,408 | $660 | $3,160 | $248 |
| Mount Olive, AL | $400 | $1,266 | $1,666 | $920 | $1,320 | $346 |
| Grayson Valley, AL | $2,000 | $781 | $2,781 | $568 | $2,568 | $213 |
| Brook Highland, AL | $500 | $994 | $1,494 | $723 | $1,223 | $272 |
| Maytown-Sylvan Springs, AL | $2,000 | $1,142 | $3,142 | $830 | $2,830 | $312 |
| Brighton, AL | $400 | $685 | $1,085 | $498 | $898 | $187 |
| Sterrett, AL | $2,000 | $848 | $2,848 | $616 | $2,616 | $232 |
| Indian Springs Village, AL | $500 | $1,803 | $2,303 | $1,310 | $1,810 | $493 |
| Arley, AL | $1,500 | $977 | $2,477 | $710 | $2,210 | $267 |
| Sardis City, AL | $400 | $1,168 | $1,568 | $849 | $1,249 | $319 |
| Talladega Springs, AL | $2,000 | $1,180 | $3,180 | $857 | $2,857 | $322 |
| Home Insurance Company Kimberly, AL | Homeowners Insurance Agency Kimberly, AL | Address | Popularity Score | Distance from Kimberly (miles) |
|---|---|---|---|---|
| Allstate | Michael Higdon | 1024 Blount Ave, Guntersville, AL, 35976 | 47.3 | |
| State Farm | Scott Cantrell | 313 Fieldstown Rd Ste 101, Gardendale, AL, 35071-2796 | 9.3 | |
| Allstate | Tyler Elliott | 305 W Grand Ave, Rainbow City, AL, 35906 | 42.4 | |
| Allstate | Cynthia Stuman | 4308 Center Point Rd, Pinson, AL, 35126 | 7.3 | |
| Farmers | Justin Gurley | 717 Kerr Dr, Gardendale, AL, 35071 | 9.6 | |
| State Farm | Jay Ellett | 6662 Highway 75 Ste 111, Pinson, AL, 35126-3200 | 6.6 | |
| State Farm | Ashley Caudle | 1326 Main St Ste 112, Gardendale, AL, 35071-2471 | 8.8 | |
| State Farm | Shawna Holley | 915 Main St, Gardendale, AL, 35071-2633 | 9.4 | |
| Farmers | Keith Devine | 1140 Main St, Gardendale, AL, 35071 | 9.1 | |
| Nationwide | Leo Blankenship | 2025 Center Point Pkwy, Birmingham, AL, 35215-4619 | 10.0 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Alabama | $132,100 | $1,168 | $780 | $1,650 | $870 |
| Jefferson County, AL | $149,000 | $1,162 | $840 | $1,590 | $750 |
| Kimberly, AL | $159,000 | $919 | $630 | $1,310 | $680 |
| Mount Olive, AL | $156,400 | $1,281 | $860 | $1,780 | $920 |
| Grayson Valley, AL | $121,400 | $791 | $580 | $1,120 | $540 |
| Brook Highland, AL | $343,500 | $1,007 | $710 | $1,390 | $680 |
| Maytown-Sylvan Springs, AL | $129,900 | $1,156 | $830 | $1,600 | $770 |
| Brighton, AL | $57,700 | $693 | $500 | $980 | $480 |
| Sterrett, AL | $80,000 | $858 | $580 | $1,220 | $640 |
| Indian Springs Village, AL | $335,600 | $1,825 | $1,300 | $2,520 | $1,220 |
| Arley, AL | $100,000 | $989 | $660 | $1,360 | $700 |
| Sardis City, AL | $135,000 | $1,182 | $850 | $1,620 | $770 |
| Talladega Springs, AL | $137,500 | $1,194 | $860 | $1,650 | $790 |