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35064 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 35064 zip code it's important to know that our rates are very competitive for homeowners living in Fairfield, AL. Many homeowners based out of your 35064 area 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 Alabama 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 35064 should appear in the zip code field ready to go. For Fairfield, AL Homeowners Insurance Quotes nearby, we offer the best rates and service.

35064: Average Home Insurance Rates

For homeowners living in the great city of Fairfield, the average homeowners policy is considered high in comparison to other states. Alabama premiums are estimated to be around $1147 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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35064 Home Insurance Average Premiums

Local 35064 homeowners insurance quotes comparison

$897 /yr.

Shows Zip Code: 35064 lowest rates with discounts applied on average.

For the 35064, 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)		$897 /yr.
Average Coverage:$1147 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1447 /yr.

What is the average home insurance cost for a home in 35064?

  • • The average homeowners insurance premium paid annually for a home in 35064 is around $1147 per year.

What does it cost on average per month for home insurance in 35064?

  • • Homeowners in 35064 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 35064?

  • • Autoowners in 35064 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 Fairfield area, check out other zip codes nearby 35064.
Review average rates in another zip code:
35064 homeowners insurance rates

Home Replacement Cost Coverage in 35064

Average Building Cost Per Square Foot in 35064: $104

Location: Fairfield, Alabama (Jefferson County)

Average Square Footage in 35064: 956 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 35064 before you start any project. Fairfield 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 35064 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 35064 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 956 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 Fairfield 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$104956$99,400
Additional Upgrades & Added Features$130956$124,250
Major Home Updates or Advancements$156956$149,100

It's important to understand that when you estimate your replacement cost of your home in the 35064 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 35064

Best Home & Auto Insurance Agencies in 35064

Alfa Insurance - Fairfield

Address: 6532 Aaron Aronov Dr Fairfield, AL 35064
Phone:
Website:
Info:

Housing Demographics for 35064

Population Review for 35064 Zip Code

For the city of Fairfield, the population within 35064 has increased to over 9,489 residents in population size. The current population total is 10,149. We have broken down the population based on race below. In 35064, there are over 4539 in male population and 5610 females.

PopulationValues
Total Population10,149
White Population231
Black Population9639
Hispanic Population165
Asian Population9
Hawaiian Population3
Indian Population21
Other Population83
Male Population4539
Female Population5610
Population Estimate9489

Household Data for 35064

The average number of homes in 35064 is around 3,891, there are an average of 2.43 per household. The average house value according to local real estate values is around $99,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode3,891
Persons Per Household2.43
Average House Value$99,400
Income Per Household$44039
Median Age38.9
Median Age Male35.2
Median Age Female42.0
35064 DetailsValues
StateAL
State Full NameAlabama
City TypeP
City Alias Abbreviation
Area Code205
CityFairfield
City Alias NameFAIRFIELD
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 Businesses146
Number Of Employees2791
Business First Quarter Payroll38240
Business Annual Payroll172880
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 District07
Congressional LandArea10156.13
Delivery Residential3905
Delivery Business224
Delivery Total4343
Preferred Last Line KeyY10414
Classification Code
Multi-County
CSA NameBirmingham-Cullman-Talladega, AL
CBSA_DIV_Name
City State KeyY10414
Land Area3.592000
Water Area0.000000
City Alias Code
City Mixed CaseFairfield
City Alias Mixed CaseFairfield
Box Count140
SFDU3569
MFDU165
State ANSI01
County ANSI073
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number012910
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

Alabama Homeowners Insurance News & Information

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  • How to Get the Best Homeowners Insurance Policy for Your Needs Posted on Wednesday 6th November, 2024

    Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm.  Understanding the different coverages that are available to homeowners is key to making sure you […]