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Find the Best Home Insurance Rates in 35055
Shopping for homeowners insurance in 35055 is never fun, but it is a necessity if you want to find the best policy for your home while also keeping your premium affordable. If you live in Cullman, AL and want to enhance your homeowners coverage while decreasing your annual premium, then let us help you shop the best rates and coverage options.
We can easily shop up to 12 competitive insurance companies so you can compare rates and coverage levels in the privacy of your own home. As an added bonus, our Alabama licensed agents will help you sort through your insurance options and answer any questions you may have about coverages and rates. As always, our service is completely free.
If you are ready to start searching for a new policy, simply click on the "Get Multiple Quotes Now" button. Your 35055 should populate in the zip code field and then you are ready to go. Enter some basic information on your home and we will get started on your quotes.
Home Insurance Rate Quotes in 35055
Find Cullman, AL Homeowners Insurance Quotes to review the best coverage options in your area.
35055 Home Insurance Rating is: high!
In 35055 the average premium is $1088. We can help you save up to 40 percent off of the average premium by having up to 12 highly rated nationwide insurers compete for your business. Our agents will also do a professional analysis of your policy options to make sure you are getting the coverage you need at the best price.
A Quick Tip: For homeowners living in 35055, always keep an updated home inventory. This can be a game changer in the event you have to make a claim. It will make the claim process go quicker and ensure that you are fully and fairly reimbursed for your loss. There are tons of home inventory apps online that can make the tedious job of putting together an inventory quick and easy. As a bonus, your inventory is stored in the cloud so you always have access to it.
Start shopping for a great new policy right now. Get Multiple Home Insurance Rates in 35055!
35055 Home Insurance Average Premiums
For the 35055, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.
Coverage Amount: | Annual Premium |
---|---|
1800 sq. ft. or below (discounts applied) | $838 /yr. |
Average Coverage: | $1088 /yr. |
2600 sq. ft. or higher (all discounts applied) | $1388 /yr. |
What is the average home insurance cost for a home in 35055?
- • The average homeowners insurance premium paid annually for a home in 35055 is around $1088 per year.
What does it cost on average per month for home insurance in 35055?
- • Homeowners in 35055 pay a monthly average cost per month around $91.00.
What kind of discount could I get if I combine my home and auto insurance together in 35055?
- • Autoowners in 35055 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.
For shopping home insurance rates within the Cullman area, check out other zip codes nearby 35055.
Review average rates in another zip code:
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35057 homeowners insurance rates
35058 homeowners insurance rates
Home Replacement Cost Coverage in 35055
Average Building Cost Per Square Foot in 35055: $104
Location: Cullman, Alabama (Cullman County)Average Square Footage in 35055: 1,450 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 35055 before you start any project. Cullman homeowners pay on average around $104 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 35055 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.
Here is how you determine your replacement cost. If we take an average home in 35055 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,450 sq. ft. and the average cost to rebuild the home in this area is around $104 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Cullman area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.
Home Improvement Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
---|---|---|---|
Basic Home Features | $104 | 1,450 | $150,800 |
Additional Upgrades & Added Features | $130 | 1,450 | $188,500 |
Major Home Updates or Advancements | $156 | 1,450 | $226,200 |
It's important to understand that when you estimate your replacement cost of your home in the 35055 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.
Best Homeowners Insurance Agencies in 35055
Pinkard Jim Insurance
Address: 100 5th Street Southeast Cullman, AL 35055Phone: (256)734-2000
Website:
Smith-Gray Insurance Agency Inc
Address: 109 2nd Avenue Northwest Cullman, AL 35055Phone: (256)734-3901
Website:
Jean Deese Agency Inc
Address: 1211 2nd Avenue Northeast Cullman, AL 35055Phone: (256)734-8711
Website:
Knight-Free Insurance Agency Inc
Address: 410 1st Avenue Southeast Suite 100 Cullman, AL 35055Phone: (256)734-4060
Website: www.knight-freeinsurance.com
Virgil B Fowler Real Estate and Insurance Agency
Address: 806 2nd Avenue Southwest Cullman, AL 35055Phone: (256)734-3821
Website:
Best Home & Auto Insurance Agencies in 35055
The Warnke Agency
Address: 1011 4th St SE Cullman, AL 35055Phone:
Website:
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Parrish- Mickey J
Address: 909 Fisher St SW Cullman, AL 35055Phone:
Website:
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Pinkard Jim Insurance
Address: 100 5th St SE Cullman, AL 35055Phone:
Website:
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Allstate Insurance
Address: 116 4th St SW Cullman, AL 35055Phone:
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Johnson Insurance Agency Inc
Address: 1331 3rd St SE Cullman, AL 35055Phone:
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Housing Demographics for 35055
Population Review for 35055 Zip Code
For the city of Cullman, the population within 35055 has increased to over 22,905 residents in population size. The current population total is 22,299. We have broken down the population based on race below. In 35055, there are over 10638 in male population and 11661 females.
Population | Values |
---|---|
Total Population | 22,299 |
White Population | 19569 |
Black Population | 260 |
Hispanic Population | 1410 |
Asian Population | 276 |
Hawaiian Population | 16 |
Indian Population | 118 |
Other Population | 727 |
Male Population | 10638 |
Female Population | 11661 |
Population Estimate | 22905 |
Household Data for 35055
The average number of homes in 35055 is around 8,975, there are an average of 2.40 per household. The average house value according to local real estate values is around $150,800. Please review the following demographics below for average income and media age.
Housing / Income Data | Values |
---|---|
Households Per Zipcode | 8,975 |
Persons Per Household | 2.40 |
Average House Value | $150,800 |
Income Per Household | $53810 |
Median Age | 39.0 |
Median Age Male | 37.4 |
Median Age Female | 40.7 |
35055 Details | Values |
---|---|
State | AL |
State Full Name | Alabama |
City Type | P |
City Alias Abbreviation | |
Area Code | 256/938 |
City | Cullman |
City Alias Name | CULLMAN |
County | Cullman |
County FIPS | 043 |
State FIPS | 01 |
Time Zone | 6 |
Day Light Saving | Y |
MSA | |
PMSA | |
CSA | 142 |
CBSA | 18980 |
CBSA_DIV | |
CBSA_Type | Micro |
CBSA_Name | Cullman, AL |
MSA_Name | |
PMSA_Name | |
Region | South |
Division | East South Central |
MailingName | Y |
Economic & Growth Review | Values |
---|---|
Number Of Businesses | 870 |
Number Of Employees | 14000 |
Business First Quarter Payroll | 140438 |
Business Annual Payroll | 593738 |
Business Employment Flag | |
Growth Rank | 0 |
Growth Housing Units 2003 | |
Growth Housing Units 2004 | |
Growth Increase Number | 0 |
Growth Increase Percentage | 0.0 |
Metropolitan Details | Values |
---|---|
CBSA Population | 80406 |
CBSA Division Population | 0 |
Congressional District | 04 |
Congressional LandArea | 8888.77 |
Delivery Residential | 9544 |
Delivery Business | 1174 |
Delivery Total | 10669 |
Preferred Last Line Key | Y10292 |
Classification Code | |
Multi-County | |
CSA Name | Birmingham-Cullman-Talladega, AL |
CBSA_DIV_Name | |
City State Key | Y10292 |
Land Area | 63.812000 |
Water Area | 1.055000 |
City Alias Code | |
City Mixed Case | Cullman |
City Alias Mixed Case | Cullman |
Box Count | 0 |
SFDU | 8305 |
MFDU | 724 |
State ANSI | 01 |
County ANSI | 043 |
ZIP Intro | |
Alias Intro | |
Facility Code | P |
City Delivery Indicator | Y |
Carrier Route Rate Sortation | D |
Finance Number | 012220 |
Unique ZIP Name | |
SSA State County Code | 01210 |
Medicare CBSA Code | 99901 |
Medicare CBSA Name | Rural Areas in AL |
Medicare CBSA Type | Micro |
Market Rating Area ID | 13 |
County Mixed Case | Cullman |
Alabama Homeowners Insurance News & Information
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Largest Insurer in California – Travelers Announces Home Insurance Rates Going Up 15% Posted on Monday 20th May, 2024
Travelers Insurance, which is one of the largest insurers in California, recently announced that they will be raising premiums by an average of 15% in the Golden State. This is just the latest rate increase or policy limitation by major insurance companies who blame the increases on spreading wildfire risks, inflation, and the cost of […]
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Should I raise my deductible to $10,000 to help offset the cost of rising premiums? Posted on Wednesday 15th May, 2024
According to industry reports, homeowners are raising their deductibles to $5,000 to $10,000 to help offset the cost of rising premiums. While raising a deductible into the stratosphere will absolutely lower your homeowner insurance premium, it does mean that you will have to cover your deductible amount in the event you have to make a […]
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Should I choose the minimum or maximum homeowners insurance coverage? Posted on Monday 13th May, 2024
As homeowner insurance rates rise across the country, some homeowners are opting for policies that offer minimal coverage to keep their premiums affordable. Unfortunately, this choice will leave them at higher risk and in a position where they may have to pay more out of pocket if they have to make a claim on their […]