Get multiple home insurance quotes in 35208. Our licensed 35208, AL agents are ready to serve you.

35208 Home Insurance Rates

For homeowners living in 35208, the population estimates are increasing to well over 12,982 with 5,711 occupied homes within the zip code of 35208. Homeowners like you are dicovering up to 40% or more in savings when they shop their new home insurance policy online. At GetHomeInsuranceQuotes.com, we provide homeowners a free shopping service that allows you to easily compare up to 12 competitive quotes for free. Home insurance premiums in Birmingham have increased and the average home insurance premium is around $1,128 per year in 35208. With our online quoting services and hassle free consultation, we can help you apply all the available discounts you need, plus review the best coverage and carrier option for you. Enter your 35208 zip code today so we can help you find affordable Birmingham, AL home insurance premiums.

Compare Multiple Homeowners Insurance Rates in 35208

Please select one of the three options below based on your 35208 zip code to learn more about Alabama homeowners insurance, plus review average rates and information per state, county or city.

  1. Alabama Homeowners Insurance Quotes
  2. Jefferson County, AL Home Insurance
  3. Birmingham, AL Home Insurance Quotes

35208 Average Home Insurance Rating Cost is: High!

Getting cheaper homeowners insurance in the 35208 zip code just got easier with GetHomeInsuranceQuotes.com of Birmingham, AL. A homeowners policy consists of a combined property and casualty coverage for your home. To insure your home for a variety of risks like fire, theft, windstorm damage or liability accidents, it's important to get the right home insurance coverage. A standard HO-3 homeowners policy will help you get the basic coverage you need. Their are multiple home insurance types and we can help you get the savings you are looking for you in your insurance cost, plus the enhanced coverage you need so you have the protection when you need it most. Shop your home in 35208 today and let us help you review the best home insurance quotes available for homeowners living in Birmingham.

Get 35208 Homeowners Insurance Rates Now!

35208 Home Insurance Average Premiums

Local 35208 homeowners insurance quotes comparison

$878 /yr.

Shows Zip Code: 35208 lowest rates with discounts applied on average.

For the 35208, 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)
$878 /yr.
Average Coverage:$1128 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1428 /yr.

What is the average home insurance cost for a home in 35208?

  • • The average homeowners insurance premium paid annually for a home in 35208 is around $1128 per year.

What does it cost on average per month for home insurance in 35208?

  • • Homeowners in 35208 pay a monthly average cost per month around $94.00.

What kind of discount could I get if I combine my home and auto insurance together in 35208?

  • • Autoowners in 35208 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 Birmingham area, check out other zip codes nearby 35208.
Review average rates in another zip code:
35217 homeowners insurance rates
35204 homeowners insurance rates
35218 homeowners insurance rates
35223 homeowners insurance rates
35210 homeowners insurance rates
35235 homeowners insurance rates
35254 homeowners insurance rates
35203 homeowners insurance rates
35224 homeowners insurance rates
35216 homeowners insurance rates

Home Replacement Cost Coverage in 35208

Average Building Cost Per Square Foot in 35208: $104

Location: Birmingham, Alabama (Jefferson County)

Average Square Footage in 35208: 752 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 35208 before you start any project. Birmingham 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 35208 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 35208 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 752 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 Birmingham 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$104752$78,200
Additional Upgrades & Added Features$130752$97,750
Major Home Updates or Advancements$156752$117,300

It's important to understand that when you estimate your replacement cost of your home in the 35208 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 35208

Best Home & Auto Insurance Agencies in 35208

Whitaker- Reginald D - State Farm Insurance Agent

Address: 1859 Bessemer Rd Birmingham, AL 35208
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

Usagencies

Address: 4608 Avenue W, #D Birmingham, AL 35208
Phone:
Website: http://www.usagencies.com/
Info:

Allstate Auto Insurance

Address: 2117 Bessemer Rd Birmingham, AL 35208
Phone:
Website:
Info:

Ladd Insurance Agency Inc - State Farm Insurance Agent

Address: 2110 Bessemer Rd Birmingham, AL 35208
Phone:
Website:
Info:

Housing Demographics for 35208

Population Review for 35208 Zip Code

For the city of Birmingham, the population within 35208 has increased to over 13,147 residents in population size. The current population total is 12,982. We have broken down the population based on race below. In 35208, there are over 6071 in male population and 6911 females.

PopulationValues
Total Population12,982
White Population447
Black Population11920
Hispanic Population429
Asian Population10
Hawaiian Population1
Indian Population42
Other Population264
Male Population6071
Female Population6911
Population Estimate13147

Household Data for 35208

The average number of homes in 35208 is around 5,711, there are an average of 2.27 per household. The average house value according to local real estate values is around $78,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5,711
Persons Per Household2.27
Average House Value$78,200
Income Per Household$32277
Median Age43.0
Median Age Male40.1
Median Age Female45.7
35208 DetailsValues
StateAL
State Full NameAlabama
City TypeP
City Alias Abbreviation
Area Code205
CityBirmingham
City Alias NameBIRMINGHAM
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 Businesses147
Number Of Employees1293
Business First Quarter Payroll10669
Business Annual Payroll47012
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 Residential5792
Delivery Business385
Delivery Total6488
Preferred Last Line KeyY10114
Classification Code
Multi-County
CSA NameBirmingham-Cullman-Talladega, AL
CBSA_DIV_Name
City State KeyY10114
Land Area3.674000
Water Area0.000000
City Alias Code
City Mixed CaseBirmingham
City Alias Mixed CaseBirmingham
Box Count238
SFDU5553
MFDU205
State ANSI01
County ANSI073
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number010780
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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    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 […]