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Searching for Homeowners Insurance in 35178

If you are a homeowners that lives in 35178 you may be searching for more affordable homeowners insurance in Vincent. Insurance rates can change on a yearly basis so if your current insurer has raised your rates recently it may be time to shop your coverage and we can help.

GetHomeInsuranceQuotes.com makes shopping your insurance policy quick and easy for residents of Vincent, AL. All you have to do is enter a bit of information about your home and we will gather 12 quotes from nationwide insurers, making sure that you get the best coverage levels and rates available.

Our Alabama licensed agents will provide a free consultation to make sure you are fully protected as well as answer any questions you may have about policy options. Insurance can be complicated so it pays to have a professional walk you through your various policy choices. As always, our service is free.

Getting started is easy. Click the "Get Multiple Quotes Now" button, verify your zip code and start saving.

Get 35178 Home Insurance Rate Quotes Right Now!

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Vincent, AL home insurance quotes in your local city and review the most competitive coverages and premiums.

Check Out 35178 Home Insurance Costs: high!

In Vincent, homeowners are paying roughly $1167 per year for a HO-3 policy which is considered the standard for a single family home. In order to find the best policy at the best price, we compare rates from some of the most competitive insurers and present you with your best options for homeowners insurance coverage in 35178 zip code.

Our service is free and we never spam our clients so you only receive the information that you request. While all situations are different, in most cases, homeowners in Vincent are saving up to 40 percent on their policy costs by using GetHomeInsuranceQuotes.com.

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35178 Home Insurance Average Premiums

Local 35178 homeowners insurance quotes comparison

$917 /yr.

Shows Zip Code: 35178 lowest rates with discounts applied on average.

For the 35178, 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)
$917 /yr.
Average Coverage:$1167 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1467 /yr.

What is the average home insurance cost for a home in 35178?

  • • The average homeowners insurance premium paid annually for a home in 35178 is around $1167 per year.

What does it cost on average per month for home insurance in 35178?

  • • Homeowners in 35178 pay a monthly average cost per month around $97.00.

What kind of discount could I get if I combine my home and auto insurance together in 35178?

  • • Autoowners in 35178 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 Vincent area, check out other zip codes nearby 35178.
Review average rates in another zip code:
35178 homeowners insurance rates

Home Replacement Cost Coverage in 35178

Average Building Cost Per Square Foot in 35178: $104

Location: Vincent, Alabama (Shelby County)

Average Square Footage in 35178: 1,197 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 35178 before you start any project. Vincent 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 35178 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 35178 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,197 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 Vincent 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$1041,197$124,500
Additional Upgrades & Added Features$1301,197$155,625
Major Home Updates or Advancements$1561,197$186,750

It's important to understand that when you estimate your replacement cost of your home in the 35178 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 35178

Best Home & Auto Insurance Agencies in 35178

Housing Demographics for 35178

Population Review for 35178 Zip Code

For the city of Vincent, the population within 35178 has increased to over 3,664 residents in population size. The current population total is 3,445. We have broken down the population based on race below. In 35178, there are over 1683 in male population and 1762 females.

PopulationValues
Total Population3,445
White Population2604
Black Population656
Hispanic Population81
Asian Population3
Hawaiian Population0
Indian Population17
Other Population50
Male Population1683
Female Population1762
Population Estimate3664

Household Data for 35178

The average number of homes in 35178 is around 1,455, there are an average of 2.37 per household. The average house value according to local real estate values is around $124,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,455
Persons Per Household2.37
Average House Value$124,500
Income Per Household$34216
Median Age46.2
Median Age Male46.1
Median Age Female46.4
35178 DetailsValues
StateAL
State Full NameAlabama
City TypeP
City Alias Abbreviation
Area Code205/659
CityVincent
City Alias NameVINCENT
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 Businesses27
Number Of Employees261
Business First Quarter Payroll3528
Business Annual Payroll13207
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 District03|06
Congressional LandArea7543.86|4170.78
Delivery Residential1546
Delivery Business28
Delivery Total1775
Preferred Last Line KeyY11243
Classification Code
Multi-CountyY
CSA NameBirmingham-Cullman-Talladega, AL
CBSA_DIV_Name
City State KeyY11243
Land Area57.562000
Water Area1.373000
City Alias Code
City Mixed CaseVincent
City Alias Mixed CaseVincent
Box Count182
SFDU1528
MFDU0
State ANSI01
County ANSI117
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number018460
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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    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 […]