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35216, AL Home Insurance
In the zip code of 35216, the population size is around 36,673, which consists of 15,932 occupied homes in your area. We often hear homeowners ask us what the average home insurance premiums are for residence living in Birmingham, AL. A few years ago, a study was done and found that the average home insurance rates for Alabama are around $1,080 per year for a standard homeowners policy. At GetHomeInsuranceQuotes.com, we help homeowners find cheaper rates and better coverage for an existing or new home purchase opportunity. We have partnered with 12 major home insurance companies that have the most competitive rates for homes in the 35216 zip code location. Our savings model helps you not only save up to 40% or more, but also includes enhanced coverage options to help protect your home and family while livings in Birmingham. If you enter your zip code for the home you would like to shop and compare rates for today, we can help you review the premiums and coverage online or over the phone. Give us a call now at 1-855-976-2656 so we can help you compare rates today!
If you would like to review more information on rates within your area, please click Birmingham, AL Homeowners Insurance Online Rates Today!
35216 Home Insurance Average Premiums
For the 35216, 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) | $830 /yr. |
Average Coverage: | $1080 /yr. |
2600 sq. ft. or higher (all discounts applied) | $1380 /yr. |
What is the average home insurance cost for a home in 35216?
- • The average homeowners insurance premium paid annually for a home in 35216 is around $1080 per year.
What does it cost on average per month for home insurance in 35216?
- • Homeowners in 35216 pay a monthly average cost per month around $90.00.
What kind of discount could I get if I combine my home and auto insurance together in 35216?
- • Autoowners in 35216 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 Birmingham area, check out other zip codes nearby 35216.
Review average rates in another zip code:
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Home Replacement Cost Coverage in 35216
Average Building Cost Per Square Foot in 35216: $104
Location: Birmingham, Alabama (Jefferson County)Average Square Footage in 35216: 2,879 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 35216 before you start any project. Birmingham 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 35216 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 35216 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,879 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 Birmingham 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 | 2,879 | $299,400 |
Additional Upgrades & Added Features | $130 | 2,879 | $374,250 |
Major Home Updates or Advancements | $156 | 2,879 | $449,100 |
It's important to understand that when you estimate your replacement cost of your home in the 35216 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 35216
Geico Insurance - Local Sales & Service
Address: 3301 Lorna Road Suite 2 Birmingham, AL 35216Phone: (205)824-4449
Website:
Donaldson Insurance Agency
Address: 1729 South Lakeshore Drive Birmingham, AL 35216Phone: (205)942-7543
Website:
Allstate Insurance - Debbie Mitchell
Address: 3364 Morgan Dr Vestavia, AL 35216Phone: (205)979-6563
Website:
PAC Insurance Agency Inc
Address: 3408 Lorna Lane Birmingham, AL 35216Phone: (205)823-2037
Website: www.insurance-insurance.com
Best Home & Auto Insurance Agencies in 35216
Allstate Insurance Company - Fred Hughes
Address: 1446 Montgomery Highway South Vestavia, AL 35216Phone:
Website: http://www.allstateagencies.com/062367?cid=OTC-YP.com-IYP&att=TL
Info:
Allstate Insurance - Debbie Mitchell
Address: 3364 Morgan Dr Vestavia Hills, AL 35216Phone:
Website:
Info:
Ashley A Bruette Agency - Nationwide Insurance
Address: 3021 Lorna Rd, #111 Birmingham, AL 35216Phone:
Website: http://www.nationwide.com/agent/Birmingham-ALABAMA-insurance-agent/ashley-bruette/office.html
Info:
Gary Davis-Farmers Insurance
Address: 3147 Renfro Road Vestavia, AL 35216Phone:
Website:
Info:
Gwathney Jr- William C
Address: 1560 Montgomery Hwy Birmingham, AL 35216Phone:
Website:
Info:
Housing Demographics for 35216
Population Review for 35216 Zip Code
For the city of Birmingham, the population within 35216 has increased to over 38,288 residents in population size. The current population total is 36,673. We have broken down the population based on race below. In 35216, there are over 17286 in male population and 19387 females.
Population | Values |
---|---|
Total Population | 36,673 |
White Population | 23846 |
Black Population | 7597 |
Hispanic Population | 2685 |
Asian Population | 1612 |
Hawaiian Population | 26 |
Indian Population | 122 |
Other Population | 1296 |
Male Population | 17286 |
Female Population | 19387 |
Population Estimate | 38288 |
Household Data for 35216
The average number of homes in 35216 is around 15,932, there are an average of 2.30 per household. The average house value according to local real estate values is around $299,400. Please review the following demographics below for average income and media age.
Housing / Income Data | Values |
---|---|
Households Per Zipcode | 15,932 |
Persons Per Household | 2.30 |
Average House Value | $299,400 |
Income Per Household | $65803 |
Median Age | 35.0 |
Median Age Male | 33.7 |
Median Age Female | 36.2 |
35216 Details | Values |
---|---|
State | AL |
State Full Name | Alabama |
City Type | P |
City Alias Abbreviation | |
Area Code | 205 |
City | Birmingham |
City Alias Name | BIRMINGHAM |
County | Jefferson |
County FIPS | 073 |
State FIPS | 01 |
Time Zone | 6 |
Day Light Saving | Y |
MSA | 1000 |
PMSA | |
CSA | 142 |
CBSA | 13820 |
CBSA_DIV | |
CBSA_Type | Metro |
CBSA_Name | Birmingham, AL |
MSA_Name | Birmingham, AL MSA |
PMSA_Name | |
Region | South |
Division | East South Central |
MailingName | Y |
Economic & Growth Review | Values |
---|---|
Number Of Businesses | 1068 |
Number Of Employees | 13513 |
Business First Quarter Payroll | 151685 |
Business Annual Payroll | 656819 |
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 | 1128047 |
CBSA Division Population | 0 |
Congressional District | 06|07 |
Congressional LandArea | 4170.78|10156.13 |
Delivery Residential | 16647 |
Delivery Business | 1462 |
Delivery Total | 20040 |
Preferred Last Line Key | Y10114 |
Classification Code | |
Multi-County | Y |
CSA Name | Birmingham-Cullman-Talladega, AL |
CBSA_DIV_Name | |
City State Key | Y10114 |
Land Area | 12.985000 |
Water Area | 0.121000 |
City Alias Code | |
City Mixed Case | Birmingham |
City Alias Mixed Case | Birmingham |
Box Count | 0 |
SFDU | 8866 |
MFDU | 5793 |
State ANSI | 01 |
County ANSI | 073 |
ZIP Intro | |
Alias Intro | |
Facility Code | P |
City Delivery Indicator | Y |
Carrier Route Rate Sortation | D |
Finance Number | 010780 |
Unique ZIP Name | |
SSA State County Code | 01360 |
Medicare CBSA Code | 13820 |
Medicare CBSA Name | Birmingham-Hoover, AL |
Medicare CBSA Type | Metro |
Market Rating Area ID | 3 |
County Mixed Case | Jefferson |
Alabama Homeowners Insurance News & Information
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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 […]
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Texas is Seeing Major Increases in the Cost of Homeowners Insurance Posted on Tuesday 7th May, 2024
Like much of the rest of the country, Texas is seeing major increases in the cost of homeowners insurance. According to an article in Austin American-Stateman, residents of Texas have seen their insurance rates go up 50.9% on average which is the largest increase in the country for that time period. Unfortunately, experts are predicting […]