Gavop's guide to buying homeowners insurance in Center Point, 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 | $40,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $106,000 | $100,000 | $125,000-$150,000 |
| 3 Bedroom | $98,000 | $90,000 | $75,000-$100,000 |
| 4 Bedroom | $163,000 | $140,000 | $150,000-$175,000 |
| 5 Bedroom | $176,000 | $150,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$140 | $682 |
| Superior Protection Discount | -$74 | $748 |
| Fire & Security Discount | -$66 | $756 |
| Hail Resistant Roof Discount | -$16 | $805 |
| Newly Constructed Home Discount | -$230 | $591 |
| 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 | $1,000 | $1,148 | $2,148 | $834 | $1,834 | $314 |
| Center Point, AL | $1,500 | $812 | $2,312 | $590 | $2,090 | $222 |
| Mountain Brook, AL | $500 | $845 | $1,345 | $614 | $1,114 | $231 |
| Odenville, AL | $2,000 | $1,195 | $3,195 | $869 | $2,869 | $327 |
| Garden City, AL | $200 | $824 | $1,024 | $599 | $799 | $225 |
| Ragland, AL | $1,500 | $900 | $2,400 | $654 | $2,154 | $246 |
| Parrish, AL | $100 | $755 | $855 | $549 | $649 | $206 |
| Manchester, AL | $700 | $928 | $1,628 | $674 | $1,374 | $254 |
| Simcoe, AL | $300 | $847 | $1,147 | $616 | $916 | $232 |
| Fairview, AL | $2,000 | $1,082 | $3,082 | $786 | $2,786 | $296 |
| Sardis City, AL | $400 | $1,168 | $1,568 | $849 | $1,249 | $319 |
| Millerville-Hollins, AL | $1,000 | $635 | $1,635 | $462 | $1,462 | $174 |
| Home Insurance Company Center Point, AL | Homeowners Insurance Agency Center Point, AL | Address | Popularity Score | Distance from Center Point (miles) |
|---|---|---|---|---|
| State Farm | Alan Murphy | 227 Cullman Rd, Arab, AL, 35016-1356 | 47.6 | |
| Travelers | Holt Insurance Agency Inc | 1423 4th Avenue North, Bessemer, AL, 35020 | 23.2 | |
| State Farm | Ashley Caudle | 1326 Main St Ste 112, Gardendale, AL, 35071-2471 | 7.5 | |
| State Farm | Karen Acker | 103 2nd Ave W, Oneonta, AL, 35121-1603 | 23.8 | |
| State Farm | Hobie Hobart | 1311 Decatur Hwy Ste A, Fultondale, AL, 35068-1737 | 7.0 | |
| State Farm | Shawna Holley | 915 Main St, Gardendale, AL, 35071-2633 | 7.3 | |
| Allstate | Scott Blackstone | 215 N 3rd St, Gadsden, AL, 35901 | 46.9 | |
| State Farm | Pat Lowe | 2830 Crestwood Blvd, Birmingham, AL, 35210-1229 | 7.0 | |
| State Farm | Jay Ellett | 6662 Highway 75 Ste 111, Pinson, AL, 35126-3200 | 3.6 | |
| Farmers | David Porter | 3229 Veterans Cir Ste 115, Birmingham, AL, 35235 | 4.1 |
| 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 | $1,650 | $860 |
| Jefferson County, AL | $149,000 | $1,162 | $850 | $1,660 | $810 |
| Center Point, AL | $98,200 | $822 | $600 | $1,170 | $570 |
| Mountain Brook, AL | $578,100 | $855 | $580 | $1,190 | $610 |
| Odenville, AL | $140,800 | $1,210 | $870 | $1,720 | $850 |
| Garden City, AL | $76,600 | $834 | $570 | $1,160 | $590 |
| Ragland, AL | $116,500 | $911 | $630 | $1,290 | $660 |
| Parrish, AL | $66,900 | $764 | $520 | $1,050 | $530 |
| Manchester, AL | $92,100 | $939 | $640 | $1,300 | $660 |
| Simcoe, AL | $105,400 | $858 | $570 | $1,180 | $610 |
| Fairview, AL | $118,300 | $1,095 | $730 | $1,540 | $810 |
| Sardis City, AL | $135,000 | $1,182 | $800 | $1,680 | $880 |
| Millerville-Hollins, AL | $51,500 | $643 | $430 | $890 | $460 |