Get multiple home insurance quotes in 35143. Our licensed 35143, AL agents are ready to serve you.

35143 Home Insurance Rates & Premiums

Did you know there are over 3,275 people living within the 35143 zip code area? There are over 1,425 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 35143.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in Alabama are on the rise. The estimated average premium is around $1,096 a year for a standard homeowners insurance policy in Shelby. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Shelby, AL Homeowners Insurance Quotes Online

35143 Home Insurance Average Premiums

Local 35143 homeowners insurance quotes comparison

$846 /yr.

Shows Zip Code: 35143 lowest rates with discounts applied on average.

For the 35143, 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)		$846 /yr.
Average Coverage:$1096 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1396 /yr.

What is the average home insurance cost for a home in 35143?

  • • The average homeowners insurance premium paid annually for a home in 35143 is around $1096 per year.

What does it cost on average per month for home insurance in 35143?

  • • Homeowners in 35143 pay a monthly average cost per month around $91.00.

What kind of discount could I get if I combine my home and auto insurance together in 35143?

  • • Autoowners in 35143 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 Shelby area, check out other zip codes nearby 35143.
Review average rates in another zip code:
35143 homeowners insurance rates

Home Replacement Cost Coverage in 35143

Average Building Cost Per Square Foot in 35143: $104

Location: Shelby, Alabama (Shelby County)

Average Square Footage in 35143: 2,088 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 35143 before you start any project. Shelby 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 35143 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 35143 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,088 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 Shelby 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$1042,088$217,200
Additional Upgrades & Added Features$1302,088$271,500
Major Home Updates or Advancements$1562,088$325,800

It's important to understand that when you estimate your replacement cost of your home in the 35143 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 35143

Best Home & Auto Insurance Agencies in 35143

Nationwide Insurance

Address: 89 Hall Cir Shelby, AL 35143
Phone:
Website:
Info:

Housing Demographics for 35143

Population Review for 35143 Zip Code

For the city of Shelby, the population within 35143 has increased to over 3,861 residents in population size. The current population total is 3,275. We have broken down the population based on race below. In 35143, there are over 1598 in male population and 1677 females.

PopulationValues
Total Population3,275
White Population2984
Black Population69
Hispanic Population77
Asian Population7
Hawaiian Population0
Indian Population8
Other Population30
Male Population1598
Female Population1677
Population Estimate3861

Household Data for 35143

The average number of homes in 35143 is around 1,425, there are an average of 2.30 per household. The average house value according to local real estate values is around $217,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,425
Persons Per Household2.30
Average House Value$217,200
Income Per Household$73367
Median Age50.2
Median Age Male49.2
Median Age Female51.1
35143 DetailsValues
StateAL
State Full NameAlabama
City TypeP
City Alias Abbreviation
Area Code205/659
CityShelby
City Alias NameSHELBY
CountyShelby
County FIPS117
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 Businesses28
Number Of Employees411
Business First Quarter Payroll3460
Business Annual Payroll14959
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 Residential1679
Delivery Business23
Delivery Total1849
Preferred Last Line KeyY11086
Classification Code
Multi-County
CSA NameBirmingham-Cullman-Talladega, AL
CBSA_DIV_Name
City State KeyY11086
Land Area43.689000
Water Area5.111000
City Alias Code
City Mixed CaseShelby
City Alias Mixed CaseShelby
Box Count124
SFDU1679
MFDU0
State ANSI01
County ANSI117
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number017470
Unique ZIP Name
SSA State County Code01580
Medicare CBSA Code13820
Medicare CBSA NameBirmingham-Hoover, AL
Medicare CBSA TypeMetro
Market Rating Area ID3
County Mixed CaseShelby

Alabama Homeowners Insurance News & Information

  • $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 […]

  • I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024

    According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]

  • 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 […]