Get multiple home insurance quotes in 36867. Our licensed 36867, AL agents are ready to serve you.

36867 Online Home Insurance Rates

Comparing a bunch of different rates for your home in 36867 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 Phenix City, 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 36867 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 Phenix City homeowners insurance rates, coverage options or home insurance types, please select Phenix City, AL Home Insurance Rates Online!

36867 Home Insurance Average Premiums

Local 36867 homeowners insurance quotes comparison

$896 /yr.

Shows Zip Code: 36867 lowest rates with discounts applied on average.

For the 36867, 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)
$896 /yr.
Average Coverage:$1146 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1446 /yr.

What is the average home insurance cost for a home in 36867?

  • • The average homeowners insurance premium paid annually for a home in 36867 is around $1146 per year.

What does it cost on average per month for home insurance in 36867?

  • • Homeowners in 36867 pay a monthly average cost per month around $96.00.

What kind of discount could I get if I combine my home and auto insurance together in 36867?

  • • Autoowners in 36867 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 Phenix City, check out other zip codes nearby 36867.
To review average rates in another zip code, click on a zip code below:
36869  |  36867  |  36870  | 

Home Replacement Cost Coverage in 36867

Average Building Cost Per Square Foot in 36867: $104

Location: Phenix City, Alabama (Russell County)

Average Square Footage in 36867: 1,388 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 36867 before you start any project. Phenix City 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 36867 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 36867 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,388 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 Phenix City 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$1041,388$144,400
Additional Upgrades & Added Features$1301,388$180,500
Major Home Updates or Advancements$1561,388$216,600

It's important to understand that when you estimate your replacement cost of your home in the 36867 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 36867

Mullin Insurance Agency

Address: 1311 9th Avenue Phenix City, AL 36867
Phone: (334)298-9377
Website:

Stevens Agency

Address: 3604 Highway 431 North Phenix City, AL 36867
Phone: (334)480-9933
Website:

Pugh Insurance Agency Inc

Address: 1505 5th Avenue Phenix City, AL 36867
Phone: (334)291-7844
Website:

Brooks Insurance Agency

Address: 1613 Broad Street Phenix City, AL 36867
Phone: (334)214-0550
Website:

Best Home & Auto Insurance Agencies in 36867

Pugh Insurance Agency Inc

Address: 1505 5th Ave Phenix City, AL 36867
Phone:
Website:
Info:

Jones Chuck Insurance

Address: 3601 Summerville Rd Phenix City, AL 36867
Phone:
Website:
Info:

Ingram Insurance Agency

Address: 1208 Broad St Phenix City, AL 36867
Phone:
Website:
Info:

Ken Currie Ins Agency Inc - State Farm Insurance Agent

Address: 702 14th St Phenix City, AL 36867
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
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Mullin Insurance Agency

Address: 1311 9th Ave Phenix City, AL 36867
Phone:
Website:
Info:

Housing Demographics for 36867

Population Review for 36867 Zip Code

For the city of Phenix City, the population within 36867 has increased to over 23,183 residents in population size. The current population total is 22,505. We have broken down the population based on race below. In 36867, there are over 10472 in male population and 12033 females.

PopulationValues
Total Population22,505
White Population12360
Black Population8145
Hispanic Population1082
Asian Population243
Hawaiian Population27
Indian Population80
Other Population391
Male Population10472
Female Population12033
Population Estimate23183

Household Data for 36867

The average number of homes in 36867 is around 9,744, there are an average of 2.28 per household. The average house value according to local real estate values is around $144,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode9,744
Persons Per Household2.28
Average House Value$144,400
Income Per Household$42914
Median Age36.8
Median Age Male34.8
Median Age Female38.6
36867 DetailsValues
StateAL
State Full NameAlabama
City TypeP
City Alias Abbreviation
Area Code334
CityPhenix City
City Alias NamePHENIX CITY
CountyRussell
County FIPS113
State FIPS01
Time Zone6
Day Light SavingY
MSA1800
PMSA
CSA194
CBSA17980
CBSA_DIV
CBSA_TypeMetro
CBSA_NameColumbus, GA-AL
MSA_NameColumbus, GA-AL MSA
PMSA_Name
RegionSouth
DivisionEast South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses505
Number Of Employees5753
Business First Quarter Payroll44626
Business Annual Payroll189125
Business Employment Flag
Growth Rank59
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number1625
Growth Increase Percentage3.1
Metropolitan DetailsValues
CBSA Population294865
CBSA Division Population0
Congressional District03
Congressional LandArea7543.86
Delivery Residential10168
Delivery Business731
Delivery Total10892
Preferred Last Line KeyY10935
Classification Code
Multi-CountyY
CSA NameColumbus-Auburn-Opelika, GA-AL
CBSA_DIV_Name
City State KeyY10935
Land Area12.570000
Water Area0.276000
City Alias Code
City Mixed CasePhenix City
City Alias Mixed CasePhenix City
Box Count0
SFDU7288
MFDU2021
State ANSI01
County ANSI113
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number016430
Unique ZIP Name
SSA State County Code01560
Medicare CBSA Code17980
Medicare CBSA NameColumbus, GA-AL
Medicare CBSA TypeMetro
Market Rating Area ID4
County Mixed CaseRussell

Alabama Homeowners Insurance News & Information

  • What causes North Carolina home insurance to go up? Posted on Monday 7th July, 2025

    A homeowner in North Carolina was greeted with a nasty surprise this year, a 41% increase in his insurance premium.  On average, homeowners in North Carolina saw a rate jump of 7.5% on June 1st due to a settlement reached by the North Carolina Department of Insurance but this certainly doesn’t explain a 41% increase.  Doug Corkhill is […]

  • Is the U.S. Home Buying Market Going to Drop in 2025? Posted on Friday 4th July, 2025

    A recent report from the Harvard Joint Center for Housing Studies found that U.S. homebuying has dropped to its lowest levels since the mid-1990s. The report, The State of the Nation’s Housing 2025 blames record high real estate prices combined with higher interests for the drop in home sales.  While high home prices and elevated interest rates […]

  • Florida Homeowners Are Concerned About Property Insurance Crisis Posted on Tuesday 1st July, 2025

    Insurance rates are rising at unprecedented rates, causing millions of people to struggle with the new premiums.  In the last three years, insurance rates have doubled in some areas. Homeowners fear for their houses while their representatives in Congress struggle to help.  Insurers are pulling out of states like Florida as damaging hurricanes and powerful […]