Home Insurance Costs with Deductible Scenarios in Shelby County, AL & Nearby Areas

Place Name/Near by place	Typical Insured Amount ($)	High Deductible($) ($2500)	Low Deductible($) ($500)
Shelby County, AL	$199500	$935	$1,287
Irondale, AL	$130200	$591	$813
Alabaster-Helena, AL	$199800	$1040	$1,431
Greenwood, AL	$209000	$754	$1,038
Sterrett, AL	$80000	$616	$848
Shoal Creek, AL	$424500	$1529	$2,103
Highland Lakes, AL	$436900	$1569	$2,159
Brook Highland, AL	$343500	$723	$994
Homewood, AL	$319300	$697	$959
Westover, AL	$180100	$989	$1,360

---

Impact of Coverage Amount on Home Insurance Cost In Shelby County, AL

Coverage Amount	Home Insurance Cost ($)
$100,000	$757
$200,000	$1,891
$300,000	$2,668
$400,000	$3,261
$500,000	$4,174
$750,000 to $1000,000	$4,826
Above $1000,000	$5,707

---

---

Shelby County, AL Homeowners Insurance Rates Compared to State & National Average Rates

	Average Home Insurance Cost($) National Average $1224
Shelby County, AL Average Home Insurance Cost	$1,302.3
State Average Home Insurance Cost	$1,168
Difference Vs national Average	78.3

---

Top Homeowners Insurance Companies in Shelby County, AL

Insurance Provider	Average Homeowners Insurance Cost($)
USAA	$2,065
Cincinnati Insurance	$1,318
Allstate	$1,207
Farmers	$604

---

Shelby County, AL Home Insurance Discounts For Different Number of Claims

Type	Discount/Extra Cost in ($)	Premium After Claim Payout ($)
Claim Free	-182	1120
One Claim	+78	1380
Two Claims	+182	1485

---