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35048 Home Insurance Average Premiums

Local 35048 homeowners insurance quotes comparison

$821 /yr.

Shows Zip Code: 35048 lowest rates with discounts applied on average.

For the 35048, 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)		$821 /yr.
Average Coverage:$1071 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1371 /yr.

What is the average home insurance cost for a home in 35048?

  • • The average homeowners insurance premium paid annually for a home in 35048 is around $1071 per year.

What does it cost on average per month for home insurance in 35048?

  • • Homeowners in 35048 pay a monthly average cost per month around $89.00.

What kind of discount could I get if I combine my home and auto insurance together in 35048?

  • • Autoowners in 35048 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 Clay area, check out other zip codes nearby 35048.
Review average rates in another zip code:
35048 homeowners insurance rates

Home Replacement Cost Coverage in 35048

Average Building Cost Per Square Foot in 35048: $104

Location: Clay, Alabama (Jefferson County)

Average Square Footage in 35048: 1,587 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 35048 before you start any project. Clay 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 35048 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 35048 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,587 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 Clay 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$1041,587$165,000
Additional Upgrades & Added Features$1301,587$206,250
Major Home Updates or Advancements$1561,587$247,500

It's important to understand that when you estimate your replacement cost of your home in the 35048 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 35048

Best Home & Auto Insurance Agencies in 35048

Housing Demographics for 35048

Population Review for 35048 Zip Code

For the city of Clay, the population within 35048 has increased to over 0 residents in population size. The current population total is 0. We have broken down the population based on race below. In 35048, there are over 0 in male population and 0 females.

PopulationValues
Total Population0
White Population0
Black Population0
Hispanic Population0
Asian Population0
Hawaiian Population0
Indian Population0
Other Population0
Male Population0
Female Population0
Population Estimate0

Household Data for 35048

The average number of homes in 35048 is around 0, there are an average of 0.00 per household. The average house value according to local real estate values is around $165,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode0
Persons Per Household0.00
Average House Value$165,000
Income Per Household$0
Median Age0.0
Median Age Male0.0
Median Age Female0.0
35048 DetailsValues
StateAL
State Full NameAlabama
City TypeZ
City Alias Abbreviation
Area Code205/659
CityClay
City Alias NameCLAY
CountyJefferson
County FIPS073
State FIPS01
Time Zone6
Day Light SavingY
MSA1000
PMSA
CSA142
CBSA13820
CBSA_DIV
CBSA_TypeMetro
CBSA_NameBirmingham, AL
MSA_NameBirmingham, AL MSA
PMSA_Name
RegionSouth
DivisionEast South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses5
Number Of Employees23
Business First Quarter Payroll81
Business Annual Payroll343
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population1128047
CBSA Division Population0
Congressional District06
Congressional LandArea4170.78
Delivery Residential0
Delivery Business0
Delivery Total227
Preferred Last Line KeyY10233
Classification CodeP
Multi-County
CSA NameBirmingham-Cullman-Talladega, AL
CBSA_DIV_Name
City State KeyY10233
Land Area0.000000
Water Area0.000000
City Alias Code
City Mixed CaseClay
City Alias Mixed CaseClay
Box Count96
SFDU0
MFDU0
State ANSI01
County ANSI073
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number011780
Unique ZIP Name
SSA State County Code01360
Medicare CBSA Code13820
Medicare CBSA NameBirmingham-Hoover, AL
Medicare CBSA TypeMetro
Market Rating Area ID3
County Mixed CaseJefferson

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