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Compare 35087 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Joppa just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 909 neighbors looking to save on their home insurance policy in the local 35087 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 35087. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best Alabama rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Joppa, AL home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Joppa, AL

35087 Home Insurance Average Premiums

Local 35087 homeowners insurance quotes comparison

$871 /yr.

Shows Zip Code: 35087 lowest rates with discounts applied on average.

For the 35087, 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)
$871 /yr.
Average Coverage:$1121 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1421 /yr.

What is the average home insurance cost for a home in 35087?

  • • The average homeowners insurance premium paid annually for a home in 35087 is around $1121 per year.

What does it cost on average per month for home insurance in 35087?

  • • Homeowners in 35087 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 35087?

  • • Autoowners in 35087 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 Joppa area, check out other zip codes nearby 35087.
Review average rates in another zip code:
35087 homeowners insurance rates

Home Replacement Cost Coverage in 35087

Average Building Cost Per Square Foot in 35087: $104

Location: Joppa, Alabama (Cullman County)

Average Square Footage in 35087: 1,150 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 35087 before you start any project. Joppa 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 35087 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 35087 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,150 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 Joppa 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$1041,150$119,600
Additional Upgrades & Added Features$1301,150$149,500
Major Home Updates or Advancements$1561,150$179,400

It's important to understand that when you estimate your replacement cost of your home in the 35087 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 35087

Best Home & Auto Insurance Agencies in 35087

Housing Demographics for 35087

Population Review for 35087 Zip Code

For the city of Joppa, the population within 35087 has increased to over 2,323 residents in population size. The current population total is 2,294. We have broken down the population based on race below. In 35087, there are over 1144 in male population and 1150 females.

PopulationValues
Total Population2,294
White Population2044
Black Population2
Hispanic Population158
Asian Population7
Hawaiian Population1
Indian Population15
Other Population95
Male Population1144
Female Population1150
Population Estimate2323

Household Data for 35087

The average number of homes in 35087 is around 909, there are an average of 2.52 per household. The average house value according to local real estate values is around $119,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode909
Persons Per Household2.52
Average House Value$119,600
Income Per Household$43698
Median Age43.5
Median Age Male43.4
Median Age Female43.6
35087 DetailsValues
StateAL
State Full NameAlabama
City TypeP
City Alias Abbreviation
Area Code256/938
CityJoppa
City Alias NameJOPPA
CountyCullman
County FIPS043
State FIPS01
Time Zone6
Day Light SavingY
MSA
PMSA
CSA142
CBSA18980
CBSA_DIV
CBSA_TypeMicro
CBSA_NameCullman, AL
MSA_Name
PMSA_Name
RegionSouth
DivisionEast South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses16
Number Of Employees82
Business First Quarter Payroll529
Business Annual Payroll2301
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population80406
CBSA Division Population0
Congressional District04|05
Congressional LandArea8888.77|3677.31
Delivery Residential922
Delivery Business12
Delivery Total1065
Preferred Last Line KeyY10664
Classification Code
Multi-CountyY
CSA NameBirmingham-Cullman-Talladega, AL
CBSA_DIV_Name
City State KeyY10664
Land Area22.850000
Water Area0.185000
City Alias Code
City Mixed CaseJoppa
City Alias Mixed CaseJoppa
Box Count79
SFDU922
MFDU0
State ANSI01
County ANSI043
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number014480
Unique ZIP Name
SSA State County Code01210
Medicare CBSA Code99901
Medicare CBSA NameRural Areas in AL
Medicare CBSA TypeMicro
Market Rating Area ID13
County Mixed CaseCullman

Alabama Homeowners Insurance News & Information

  • 2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024

    According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges.  Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]

  • What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024

    A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly.  The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]