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Compare 35147 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Sterrett just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 2,187 neighbors looking to save on their home insurance policy in the local 35147 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 35147. 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 Sterrett, 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 Sterrett, AL

35147 Home Insurance Average Premiums

Local 35147 homeowners insurance quotes comparison

$870 /yr.

Shows Zip Code: 35147 lowest rates with discounts applied on average.

For the 35147, 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)		$870 /yr.
Average Coverage:$1120 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1420 /yr.

What is the average home insurance cost for a home in 35147?

  • • The average homeowners insurance premium paid annually for a home in 35147 is around $1120 per year.

What does it cost on average per month for home insurance in 35147?

  • • Homeowners in 35147 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 35147?

  • • Autoowners in 35147 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 Sterrett area, check out other zip codes nearby 35147.
Review average rates in another zip code:
35147 homeowners insurance rates

Home Replacement Cost Coverage in 35147

Average Building Cost Per Square Foot in 35147: $104

Location: Sterrett, Alabama (Shelby County)

Average Square Footage in 35147: 2,134 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 35147 before you start any project. Sterrett 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 35147 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 35147 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,134 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 Sterrett 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$1042,134$221,900
Additional Upgrades & Added Features$1302,134$277,375
Major Home Updates or Advancements$1562,134$332,850

It's important to understand that when you estimate your replacement cost of your home in the 35147 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 35147

Best Home & Auto Insurance Agencies in 35147

Housing Demographics for 35147

Population Review for 35147 Zip Code

For the city of Sterrett, the population within 35147 has increased to over 5,993 residents in population size. The current population total is 5,769. We have broken down the population based on race below. In 35147, there are over 2807 in male population and 2962 females.

PopulationValues
Total Population5,769
White Population4749
Black Population427
Hispanic Population320
Asian Population77
Hawaiian Population2
Indian Population39
Other Population107
Male Population2807
Female Population2962
Population Estimate5993

Household Data for 35147

The average number of homes in 35147 is around 2,187, there are an average of 2.63 per household. The average house value according to local real estate values is around $221,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,187
Persons Per Household2.63
Average House Value$221,900
Income Per Household$78432
Median Age37.6
Median Age Male37.0
Median Age Female38.2
35147 DetailsValues
StateAL
State Full NameAlabama
City TypeP
City Alias Abbreviation
Area Code205
CitySterrett
City Alias NameSTERRETT
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 Businesses70
Number Of Employees386
Business First Quarter Payroll6395
Business Annual Payroll30419
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 Residential2279
Delivery Business54
Delivery Total2598
Preferred Last Line KeyY11146
Classification Code
Multi-County
CSA NameBirmingham-Cullman-Talladega, AL
CBSA_DIV_Name
City State KeyY11146
Land Area68.690000
Water Area1.160000
City Alias Code
City Mixed CaseSterrett
City Alias Mixed CaseSterrett
Box Count70
SFDU2239
MFDU38
State ANSI01
County ANSI117
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number017790
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

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    While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future.  According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]

  • Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025

    Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]

  • Do homeowners insurance policies have loopholes? Posted on Monday 30th December, 2024

    Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies.  Here are some common exclusions that could leave you […]