Compare quotes for your home in 35601! Compare the best 12 carriers in minutes.
35601 Online Home Insurance Rates
Comparing a bunch of different rates for your home in 35601 is very time consuming. At GetHomeInsuranceQuotes.com, we help you shop and compare up to 12 major top-rated A.M. Best companies, to present the most affordable rates for homeowners living in Decatur, AL. Not only do we provide free comparitive rates, but we also answer any questions you have and offer a free consultation process to help you decide which coverage option is best for you. Most of the time, we can add up to 40% more in savings by applying all the discounts and credits, like a home/auto package, security alarm, new roof upgrade or even deadbolts. It's easy to shop with us, we have already partnered with the most competitive home insurance companies in the 35601 area. If you enter your zip code, you can easily begin the online quoting process, it only takes a few minutes. If you would like to give us a call now at 1-855-976-2656 we will be happy to hear from you.
If you would like to review more information on home insurance premiums in Alabama, like average Decatur homeowners insurance rates, coverage options or home insurance types, please select Decatur, AL Home Insurance Rates Online!
35601 Home Insurance Average Premiums
$864 /yr.
Shows Zip Code: 35601 lowest rates with discounts applied on average.
For the 35601, 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) | $864 /yr. |
| Average Coverage: | $1114 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1414 /yr. |
What is the average home insurance cost for a home in 35601?
- • The average homeowners insurance premium paid annually for a home in 35601 is around $1114 per year.
What does it cost on average per month for home insurance in 35601?
- • Homeowners in 35601 pay a monthly average cost per month around $93.00.
What kind of discount could I get if I combine my home and auto insurance together in 35601?
- • Autoowners in 35601 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.
You can easily shop and compare home insurance rates within Decatur, check out other zip codes nearby 35601.
To review average rates in another zip code, click on a zip code below:
35601 | 35603 |
Home Replacement Cost Coverage in 35601
Average Building Cost Per Square Foot in 35601: $104
Location: Decatur, Alabama (Morgan County)Average Square Footage in 35601: 1,061 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 35601 before you start any project. Decatur 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 35601 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 35601 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,061 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 Decatur 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 | 1,061 | $110,300 |
| Additional Upgrades & Added Features | $130 | 1,061 | $137,875 |
| Major Home Updates or Advancements | $156 | 1,061 | $165,450 |
It's important to understand that when you estimate your replacement cost of your home in the 35601 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 35601
Knight Insurance Agency Inc
Address: 815 Bradley Street Southwest Decatur, AL 35601Phone: (256)306-0749
Website: www.knightinsuranceagency.net
Hayes Peggy Insurance
Address: 2002 Flint Road Southeast Decatur, AL 35601Phone: (256)350-6315
Website:
Carl Webb Agency
Address: 1904 Flint Road Southeast Decatur, AL 35601Phone: (256)355-8215
Website:
Nationwide Insurance Companies - Terry Gil
Address: Deere Road Decatur, AL 35601Phone: (256)355-8500
Website:
Carden Insurance Agency
Address: 2109 Danville Road Southwest Suite F Decatur, AL 35601Phone: (256)351-8927
Website:
Best Home & Auto Insurance Agencies in 35601
Knight Insurance Agency Inc
Address: 815 Bradley St SW Decatur, AL 35601Phone:
Website: http://www.knightinsuranceagency.net
Info:
Rodgers- Ralph G
Address: 124 14th St SW Decatur, AL 35601Phone:
Website:
Info:
Farmers Insurance Agency-Decatur
Address: 1902 Central Pky SW Decatur, AL 35601Phone:
Website:
Info:
Stough and Associates Insurance
Address: 101 14th St SW Decatur, AL 35601Phone:
Website: http://www.stoughinsurance.com
Info:
Carl Webb Agency
Address: 1904 Flint Rd SE Decatur, AL 35601Phone:
Website:
Info:
Housing Demographics for 35601
Population Review for 35601 Zip Code
For the city of Decatur, the population within 35601 has increased to over 34,225 residents in population size. The current population total is 34,958. We have broken down the population based on race below. In 35601, there are over 17421 in male population and 17537 females.
| Population | Values |
|---|---|
| Total Population | 34,958 |
| White Population | 17283 |
| Black Population | 8877 |
| Hispanic Population | 7799 |
| Asian Population | 201 |
| Hawaiian Population | 48 |
| Indian Population | 341 |
| Other Population | 5435 |
| Male Population | 17421 |
| Female Population | 17537 |
| Population Estimate | 34225 |
Household Data for 35601
The average number of homes in 35601 is around 13,619, there are an average of 2.44 per household. The average house value according to local real estate values is around $110,300. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 13,619 |
| Persons Per Household | 2.44 |
| Average House Value | $110,300 |
| Income Per Household | $45776 |
| Median Age | 37.8 |
| Median Age Male | 36.5 |
| Median Age Female | 39.5 |
| 35601 Details | Values |
|---|---|
| State | AL |
| State Full Name | Alabama |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 256/938 |
| City | Decatur |
| City Alias Name | DECATUR |
| County | Morgan |
| County FIPS | 103 |
| State FIPS | 01 |
| Time Zone | 6 |
| Day Light Saving | Y |
| MSA | 2030 |
| PMSA | |
| CSA | 290 |
| CBSA | 19460 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Decatur, AL |
| MSA_Name | Decatur, AL MSA |
| PMSA_Name | |
| Region | South |
| Division | East South Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 1330 |
| Number Of Employees | 25095 |
| Business First Quarter Payroll | 301882 |
| Business Annual Payroll | 1310259 |
| 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 | 153829 |
| CBSA Division Population | 0 |
| Congressional District | 05 |
| Congressional LandArea | 3677.31 |
| Delivery Residential | 14027 |
| Delivery Business | 1936 |
| Delivery Total | 16239 |
| Preferred Last Line Key | Y10318 |
| Classification Code | |
| Multi-County | |
| CSA Name | Huntsville-Decatur-Albertville, AL-TN |
| CBSA_DIV_Name | |
| City State Key | Y10318 |
| Land Area | 26.489000 |
| Water Area | 5.974000 |
| City Alias Code | |
| City Mixed Case | Decatur |
| City Alias Mixed Case | Decatur |
| Box Count | 0 |
| SFDU | 11412 |
| MFDU | 996 |
| State ANSI | 01 |
| County ANSI | 103 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 012380 |
| Unique ZIP Name | |
| SSA State County Code | 01510 |
| Medicare CBSA Code | 19460 |
| Medicare CBSA Name | Decatur, AL |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 5 |
| County Mixed Case | Morgan |
Alabama Homeowners Insurance News & Information
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How can I lower my homeowners insurance rate? Posted on Monday 18th August, 2025
According to a recent report from the National Association of Realtors, homeowner insurance premiums have jumped up 10% since last year which follows a similar increase in 2023. Premium increases were even higher in states where severe weather and wildfires were more common. In a recent AOL.com article, Paul Burns commented on how he had […]
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5 Perils Not Covered by Homeowners Insurance Posted on Tuesday 29th July, 2025
Homeowners insurance is an absolute necessity to protect your home and its contents. If you have a mortgage on your home, it is also required. While homeowners insurance offers plenty of protection, there are gaps in coverage that you should be aware of because they can lead to massive out of pocket costs if you […]
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Compare 2025 Homeowners Insurance Rates in Every State Posted on Thursday 24th July, 2025
According to a recent study by Insurify, homeowners in every state will be paying more for insurance coverage by the end of the year. The study found that climate change fueled natural disaster are the main cause of ever-increasing homeowner premiums. Wildfires out west, hailstorms in the Midwest and hurricanes and flooding in the South […]