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36109 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 36109? There are over 10,284 occupied homes in the 36109 area. With a population size of 24,176, it's not uncommon for residence of Montgomery, AL to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Alabama is around $1,105 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 36109 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Montgomery, AL Home Insurance Rate Quotes

36109 Home Insurance Average Premiums

Local 36109 homeowners insurance quotes comparison

$855 /yr.

Shows Zip Code: 36109 lowest rates with discounts applied on average.

For the 36109, 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)		$855 /yr.
Average Coverage:$1105 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1405 /yr.

What is the average home insurance cost for a home in 36109?

  • • The average homeowners insurance premium paid annually for a home in 36109 is around $1105 per year.

What does it cost on average per month for home insurance in 36109?

  • • Homeowners in 36109 pay a monthly average cost per month around $92.00.

What kind of discount could I get if I combine my home and auto insurance together in 36109?

  • • Autoowners in 36109 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 Montgomery, check out other zip codes nearby 36109.
To review average rates in another zip code, click on a zip code below:
36106  |  36112  |  36110  |  36115  |  36108  |  36111  |  36117  |  36107  |  36104  |  36105  | 

Home Replacement Cost Coverage in 36109

Average Building Cost Per Square Foot in 36109: $104

Location: Montgomery, Alabama (Montgomery County)

Average Square Footage in 36109: 1,134 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 36109 before you start any project. Montgomery 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 36109 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 36109 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,134 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 Montgomery 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 StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$1041,134$117,900
Additional Upgrades & Added Features$1301,134$147,375
Major Home Updates or Advancements$1561,134$176,850

It's important to understand that when you estimate your replacement cost of your home in the 36109 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 36109

Colonial Insurance Agency

Address: 2000 Interstate Park Drive Suite 300 Montgomery, AL 36109
Phone: (334)270-6824
Website:

Jim Horne Insurance Agency

Address: 3711 Atlanta Highway Montgomery, AL 36109
Phone: (334)244-0600
Website:

Best Home & Auto Insurance Agencies in 36109

Bush Insurance Agency

Address: 42 Carol Villa Dr Montgomery, AL 36109
Phone:
Website:
Info:

Colonial Insurance Agency

Address: 2000 Interstate Park Dr, #300 Montgomery, AL 36109
Phone:
Website:
Info:

Mims Insurance Agency

Address: 1256 Perry Hill Rd Montgomery, AL 36109
Phone:
Website:
Info:

Gay, Michael Agent - State Farm Michael Gay Agency

Address: 5310 Atlanta Hwy Montgomery, AL 36109
Phone:
Website: http://www.michaelgay.net/
Info:

Alfa Insurance - Service Centers- Montgomery

Address: 1113 Perry Hill Rd Montgomery, AL 36109
Phone:
Website: http://www.montgomery.auto-car-insurance-quote.com
Info:

Housing Demographics for 36109

Population Review for 36109 Zip Code

For the city of Montgomery, the population within 36109 has increased to over 24,791 residents in population size. The current population total is 24,176. We have broken down the population based on race below. In 36109, there are over 11270 in male population and 12906 females.

PopulationValues
Total Population24,176
White Population13910
Black Population7952
Hispanic Population1247
Asian Population276
Hawaiian Population13
Indian Population109
Other Population710
Male Population11270
Female Population12906
Population Estimate24791

Household Data for 36109

The average number of homes in 36109 is around 10,284, there are an average of 2.33 per household. The average house value according to local real estate values is around $117,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode10,284
Persons Per Household2.33
Average House Value$117,900
Income Per Household$54884
Median Age40.9
Median Age Male39.0
Median Age Female43.3
36109 DetailsValues
StateAL
State Full NameAlabama
City TypeP
City Alias Abbreviation
Area Code334
CityMontgomery
City Alias NameMONTGOMERY
CountyMontgomery
County FIPS101
State FIPS01
Time Zone6
Day Light SavingY
MSA5240
PMSA
CSA388
CBSA33860
CBSA_DIV
CBSA_TypeMetro
CBSA_NameMontgomery, AL
MSA_NameMontgomery, AL MSA
PMSA_Name
RegionSouth
DivisionEast South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses420
Number Of Employees11604
Business First Quarter Payroll162668
Business Annual Payroll646854
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population374536
CBSA Division Population0
Congressional District02
Congressional LandArea10141.63
Delivery Residential10640
Delivery Business597
Delivery Total11933
Preferred Last Line KeyY10815
Classification Code
Multi-County
CSA NameMontgomery-Selma, AL
CBSA_DIV_Name
City State KeyY10815
Land Area11.330000
Water Area0.050000
City Alias Code
City Mixed CaseMontgomery
City Alias Mixed CaseMontgomery
Box Count200
SFDU9317
MFDU249
State ANSI01
County ANSI101
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number015630
Unique ZIP Name
SSA State County Code01500
Medicare CBSA Code33860
Medicare CBSA NameMontgomery, AL
Medicare CBSA TypeMetro
Market Rating Area ID11
County Mixed CaseMontgomery

Alabama Homeowners Insurance News & Information

  • 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 […]

  • 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 […]

  • 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 […]