Gavop's guide to buying homeowners insurance in Morris Chapel, 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 | $48,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $111,000 | $100,000 | $100,000-$125,000 |
| 3 Bedroom | $168,000 | $130,000 | $175,000-$200,000 |
| 4 Bedroom | $194,000 | $160,000 | $175,000-$200,000 |
| 5 Bedroom | $265,500 | $220,000 | $300,000-$350,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$64 | $736 |
| Home and Two Car | -$128 | $672 |
| Home and Three Car | -$184 | $616 |
| 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 |
| Lawrence County | $2,500 | $930 | $3,430 | $676 | $3,176 | $254 |
| Morris Chapel, AL | $1,000 | $791 | $1,791 | $575 | $1,575 | $216 |
| Trinity, AL | $500 | $1,272 | $1,772 | $924 | $1,424 | $347 |
| Mooresville, AL | $700 | $1,042 | $1,742 | $757 | $1,457 | $285 |
| Madison, AL | $300 | $1,396 | $1,696 | $1,015 | $1,315 | $382 |
| Tri-Cities, AL | $2,000 | $918 | $2,918 | $667 | $2,667 | $251 |
| Haleyville, AL | $300 | $691 | $991 | $502 | $802 | $189 |
| Harvest, AL | $2,000 | $1,240 | $3,240 | $901 | $2,901 | $339 |
| Cullman, AL | $100 | $829 | $929 | $602 | $702 | $227 |
| Madison Crossroads, AL | $1,000 | $890 | $1,890 | $647 | $1,647 | $243 |
| Union Grove, AL | $300 | $796 | $1,096 | $578 | $878 | $217 |
| Red Bay, AL | $1,000 | $874 | $1,874 | $635 | $1,635 | $239 |
| Home Insurance Company Morris Chapel, AL | Homeowners Insurance Agency Morris Chapel, AL | Address | Popularity Score | Distance from Morris Chapel (miles) |
|---|---|---|---|---|
| Allstate | Blaine Mardis | 2215 Danville Rd Sw Ste I, Decatur, AL, 35601 | 10.1 | |
| Travelers | Tom Jones Insurance | 106 North Main St, Tuscumbia, AL, 35674 | 32.1 | |
| Travelers | Burkett & Associates Insurance Agency Inc | 2400 Bob Wallace Ave Ste 206, Huntsville, AL, 35805 | 35.4 | |
| State Farm | Judy Larson | 2046 Beltline Rd Sw Ste 2, Decatur, AL, 35601-5549 | 9.7 | |
| State Farm | David Perkins | 11156 County Line Rd Ste D, Madison, AL, 35756-5403 | 25.1 | |
| State Farm | Mike Johnson | 14675 Market St, Moulton, AL, 35650-1132 | 7.6 | |
| Farmers | Tim Wirick | 3322 Memorial Pkwy Sw Ste 210, Huntsville, AL, 35801 | 35.8 | |
| State Farm | Patrick Johnson | 2704 Highway 31 S Ste B, Decatur, AL, 35603-1546 | 12.1 | |
| Travelers | Peck-Glasgow Agency Inc | 1612 Hwy 31 Sw, Hartselle, AL, 35640 | 16.6 | |
| Travelers | King Insurance Agency | 207 Johnston St Se Ste 101, Decatur, AL, 35601 | 12.1 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Alabama | $132,100 | $1,168 | $780 | $1,650 | $870 |
| Lawrence County, AL | $98,700 | $942 | $680 | $1,350 | $670 |
| Morris Chapel, AL | $94,300 | $801 | $580 | $1,130 | $550 |
| Trinity, AL | $157,700 | $1,287 | $930 | $1,760 | $830 |
| Mooresville, AL | $210,500 | $1,054 | $750 | $1,490 | $740 |
| Madison, AL | $239,400 | $1,413 | $960 | $1,950 | $990 |
| Tri-Cities, AL | $120,300 | $929 | $660 | $1,270 | $610 |
| Haleyville, AL | $76,500 | $700 | $500 | $990 | $490 |
| Harvest, AL | $150,400 | $1,255 | $890 | $1,730 | $840 |
| Cullman, AL | $134,600 | $839 | $570 | $1,160 | $590 |
| Madison Crossroads, AL | $114,200 | $900 | $660 | $1,250 | $590 |
| Union Grove, AL | $125,300 | $806 | $540 | $1,140 | $600 |
| Red Bay, AL | $83,900 | $885 | $640 | $1,250 | $610 |