Pepper, Johnstone & Company
122 W Market St, Athens, AL 35611
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Athens households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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122 W Market St, Athens, AL 35611
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Athens residents.
Athens home insurance averages $1,576-$2,075 yearly. Learn about flood risks, older home coverage, student rental policies & how to save money.
Most Ohio University students living off-campus need their own renters insurance policy, especially if their landlord requires it. While your parents' homeowners policy might provide limited coverage for dorm rooms, it typically doesn't cover off-campus apartments. Many landlords require proof of renters insurance with at least $100,000 in liability coverage before you can move in.
Flood insurance is strongly recommended in Athens due to the unpredictable Hocking River, which affects areas like East State Street, Richland Avenue, and near campus. Even homes outside designated flood zones face risk—40% of flood claims come from these areas. Standard homeowners policies don't cover flood damage, and costs can range from under $400 to over $1,300 annually depending on your property's location and characteristics.
Athens drivers benefit from Ohio's low rates, which rank fourth-cheapest nationally at 42% below the national average. Full coverage averages around $145 per month statewide, while minimum coverage costs about $40 per month. Smaller cities like Athens typically see rates at or below these averages, though your actual cost depends on your age, driving record, vehicle type, and coverage limits.
Common discounts include bundling multiple policies (auto and renters or auto and home, typically 15-25% savings), good student discounts for college students, safe driving or defensive driving course completion, paying premiums in full, safety features like alarm systems, and claims-free history. Ask every insurer about available discounts, as they vary by company and can significantly reduce your premiums.
Liability coverage (minimum legal requirement) only pays for damage you cause to others, not your own vehicle. Full coverage includes liability plus collision (damage to your car from accidents) and comprehensive (damage from theft, weather, vandalism, etc.). If you own your vehicle outright and it's older with low value, liability-only might make sense, but financed vehicles typically require full coverage.
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