Gavop's guide to buying homeowners insurance in Escambia County, 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 | $31,500 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $83,000 | $70,000 | $75,000-$100,000 |
| 3 Bedroom | $130,000 | $110,000 | $100,000-$125,000 |
| 4 Bedroom | $160,000 | $140,000 | $175,000-$200,000 |
| 5 Bedroom | $274,500 | $260,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$128 | $788 |
| Superior Protection Discount | -$92 | $824 |
| Fire & Security Discount | -$82 | $833 |
| Hail Resistant Roof Discount | -$27 | $888 |
| Newly Constructed Home Discount | -$238 | $678 |
| 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 |
| Escambia County | $1,000 | $905 | $1,905 | $658 | $1,658 | $247 |
| Escambia County, AL | $700 | $905 | $1,605 | $658 | $1,358 | $247 |
| Mount Carmel, FL | $100 | $1,166 | $1,266 | $847 | $947 | $319 |
| Pine Level, FL | $2,500 | $877 | $3,377 | $638 | $3,138 | $240 |
| Excel, AL | $200 | $1,105 | $1,305 | $803 | $1,003 | $302 |
| Evergreen, AL | $2,500 | $759 | $3,259 | $552 | $3,052 | $208 |
| Skyline, FL | $500 | $943 | $1,443 | $685 | $1,185 | $258 |
| Mulat, FL | $1,000 | $2,357 | $3,357 | $1,713 | $2,713 | $644 |
| Andalusia, AL | $300 | $796 | $1,096 | $578 | $878 | $218 |
| Covington County, AL | $2,000 | $915 | $2,915 | $665 | $2,665 | $250 |
| Robertsdale, AL | $100 | $850 | $950 | $618 | $718 | $232 |
| West Pensacola, FL | $1,000 | $805 | $1,805 | $585 | $1,585 | $220 |
| Home Insurance Company Escambia County, AL | Homeowners Insurance Agency Escambia County, AL | Address | Popularity Score | Distance from Escambia County (miles) |
|---|---|---|---|---|
| State Farm | Jason Young | 605 Dolive St, Bay Minette, AL, 36507-3123 | 40.0 | |
| Travelers | Horton Insurance | Po Box 2190, East Brewton, AL, 36427 | 5.5 | |
| Allstate | David Brooks | 1831 E Three Notch St, Andalusia, AL, 36421 | 44.1 | |
| State Farm | Sharyn Smith | 1805 E Three Notch St Ste 4, Andalusia, AL, 36421-2403 | 44.1 | |
| Allstate | Christopher Kirk | 100 S Carney St, Atmore, AL, 36502 | 20.6 | |
| Allstate | Garry W. Bulman | 1802 Hand Ave, Bay Minette, AL, 36507 | 39.5 | |
| State Farm | Tommy Jordan | 3042 S Alabama Ave, Monroeville, AL, 36460-5600 | 26.8 | |
| Allstate | Linc Lewis | 4441 S Alabama Ave, Monroeville, AL, 36460 | 26.2 | |
| State Farm | John Chason | 412 Courthouse Sq, Bay Minette, AL, 36507-4816 | 39.6 | |
| Allstate | Christopher Jackson | 408 River Falls St, Andalusia, AL, 36420 | 42.3 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Alabama | $132,100 | $1,168 | $810 | $1,670 | $860 |
| Escambia County, AL | $94,500 | $916 | $610 | $1,290 | $680 |
| Escambia County, AL | $94,500 | $916 | $660 | $1,310 | $650 |
| Mount Carmel, FL | $115,300 | $1,180 | $920 | $1,580 | $660 |
| Pine Level, FL | $72,300 | $888 | $690 | $1,190 | $500 |
| Excel, AL | $122,500 | $1,118 | $820 | $1,580 | $760 |
| Evergreen, AL | $88,500 | $769 | $550 | $1,090 | $540 |
| Skyline, FL | $139,200 | $954 | $740 | $1,280 | $540 |
| Mulat, FL | $301,800 | $2,386 | $1,860 | $3,200 | $1,340 |
| Andalusia, AL | $95,300 | $806 | $580 | $1,140 | $560 |
| Covington County, AL | $96,200 | $926 | $670 | $1,280 | $610 |
| Robertsdale, AL | $140,800 | $860 | $610 | $1,220 | $610 |
| West Pensacola, FL | $61,600 | $815 | $640 | $1,090 | $450 |