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Home Insurance in 35816
Our rates are very competitive for homeowners living in the 35816 zip code. Many homeowners based out of Huntsville, AL have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our AL licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 35816 should appear in the zip code field ready to go.
35816 Average Home Insurance Rates
Are you looking for a standard HO-3 homeowners policy for your single family home in the Huntsville area? The average homeowners premium in 35816 is high in comparison to other states. For example, the national average is $1,249 per year for home insurance coverage for a basic home insurance policy. For homeowners living in the 35816, you can expect to pay around $1118 per year for homeowners coverage. If you want to see which company has the best rates and coverage options, than easily compare rates with us. You can review each premium and we can help explain any question that you may have about different types of coverages and what is best for you and your family.
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Get Home Insurance Quotes in 35816
We can shop up to 12 home insurance quotes for you easily online. You can find out more by exploring one of the three links below to review average homeowners insurance rates in the great state of Alabama. Start your 35816 home insurance shopping today!
35816 Home Insurance Average Premiums
$868 /yr.
Shows Zip Code: 35816 lowest rates with discounts applied on average.
For the 35816, 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) | $868 /yr. |
| Average Coverage: | $1118 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1418 /yr. |
What is the average home insurance cost for a home in 35816?
- • The average homeowners insurance premium paid annually for a home in 35816 is around $1118 per year.
What does it cost on average per month for home insurance in 35816?
- • Homeowners in 35816 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 35816?
- • Autoowners in 35816 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 Huntsville, check out other zip codes nearby 35816.
To review average rates in another zip code, click on a zip code below:
35806 | 35810 | 35816 | 35803 | 35896 | 35824 | 35801 | 35802 | 35805 | 35808 |
Home Replacement Cost Coverage in 35816
Average Building Cost Per Square Foot in 35816: $104
Location: Huntsville, Alabama (Madison County)Average Square Footage in 35816: 877 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 35816 before you start any project. Huntsville 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 35816 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 35816 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 877 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 Huntsville 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 | 877 | $91,200 |
| Additional Upgrades & Added Features | $130 | 877 | $114,000 |
| Major Home Updates or Advancements | $156 | 877 | $136,800 |
It's important to understand that when you estimate your replacement cost of your home in the 35816 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 35816
Allstate Insurance-Jim Berry
Address: 1109a Jordan Ln Nw Huntsville, AL 35816Phone: (256)837-8740
Website: agent.allstate.com/84449
Burkman Larry Agency Insurance
Address: 4820 University Drive Northwest Suite 7 Huntsville, AL 35816Phone: (256)830-1123
Website:
Allstate Insurance - Jim Berry
Address: 1109 Jordon Lane Huntsville, AL 35816Phone: (256)837-8740
Website:
Best Home & Auto Insurance Agencies in 35816
Burkman Larry Agency Insurance
Address: 4820 University Dr NW, #7 Huntsville, AL 35816Phone:
Website:
Info:
Allstate Insurance-Jim Berry
Address: 1109 Jordan Ln NW Huntsville, AL 35816Phone:
Website: http://www.agent.allstate.com/84449
Info:
E-Z Pay Auto Insurance
Address: 1004 Jordan Ln NW Huntsville, AL 35816Phone:
Website:
Info:
Miller- Leslie Ray
Address: 500 Wynn Dr NW Huntsville, AL 35816Phone:
Website:
Info:
Alfa Insurance - Huntsville
Address: 2022 Jordan Ln NW Huntsville, AL 35816Phone:
Website:
Info:
Housing Demographics for 35816
Population Review for 35816 Zip Code
For the city of Huntsville, the population within 35816 has increased to over 14,529 residents in population size. The current population total is 15,035. We have broken down the population based on race below. In 35816, there are over 7400 in male population and 7635 females.
| Population | Values |
|---|---|
| Total Population | 15,035 |
| White Population | 3971 |
| Black Population | 9022 |
| Hispanic Population | 1053 |
| Asian Population | 409 |
| Hawaiian Population | 29 |
| Indian Population | 104 |
| Other Population | 538 |
| Male Population | 7400 |
| Female Population | 7635 |
| Population Estimate | 14529 |
Household Data for 35816
The average number of homes in 35816 is around 6,764, there are an average of 2.02 per household. The average house value according to local real estate values is around $91,200. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 6,764 |
| Persons Per Household | 2.02 |
| Average House Value | $91,200 |
| Income Per Household | $29162 |
| Median Age | 27.7 |
| Median Age Male | 26.1 |
| Median Age Female | 29.4 |
| 35816 Details | Values |
|---|---|
| State | AL |
| State Full Name | Alabama |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 256/938 |
| City | Huntsville |
| City Alias Name | HUNTSVILLE |
| County | Madison |
| County FIPS | 089 |
| State FIPS | 01 |
| Time Zone | 6 |
| Day Light Saving | Y |
| MSA | 3440 |
| PMSA | |
| CSA | 290 |
| CBSA | 26620 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Huntsville, AL |
| MSA_Name | Huntsville, AL MSA |
| PMSA_Name | |
| Region | South |
| Division | East South Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 532 |
| Number Of Employees | 6699 |
| Business First Quarter Payroll | 77302 |
| Business Annual Payroll | 342388 |
| 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 | 417593 |
| CBSA Division Population | 0 |
| Congressional District | 05 |
| Congressional LandArea | 3677.31 |
| Delivery Residential | 7193 |
| Delivery Business | 787 |
| Delivery Total | 7955 |
| Preferred Last Line Key | Y10632 |
| Classification Code | |
| Multi-County | |
| CSA Name | Huntsville-Decatur-Albertville, AL-TN |
| CBSA_DIV_Name | |
| City State Key | Y10632 |
| Land Area | 5.064000 |
| Water Area | 0.009000 |
| City Alias Code | |
| City Mixed Case | Huntsville |
| City Alias Mixed Case | Huntsville |
| Box Count | 0 |
| SFDU | 2689 |
| MFDU | 2857 |
| State ANSI | 01 |
| County ANSI | 089 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 014240 |
| Unique ZIP Name | |
| SSA State County Code | 01440 |
| Medicare CBSA Code | 26620 |
| Medicare CBSA Name | Huntsville, AL |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 9 |
| County Mixed Case | Madison |
Alabama Homeowners Insurance News & Information
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Homeowners in Florida Finally See Relief From Higher Insurance Costs Posted on Wednesday 27th August, 2025
According to a recent Realtor.com article, homeowners in Florida, at least some of them, may finally seem some relief from higher homeowner insurance costs. Florida Peninsula Insurance which is one of the largest private party property insurers recently announced that it is hoping to significantly lower premiums for roughly 170,000 policyholders. Florida Peninsula has filed […]
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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 […]