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Compare 35214 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Birmingham just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 7,464 neighbors looking to save on their home insurance policy in the local 35214 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 35214. 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 Birmingham, 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 Birmingham, AL

35214 Home Insurance Average Premiums

Local 35214 homeowners insurance quotes comparison

$871 /yr.

Shows Zip Code: 35214 lowest rates with discounts applied on average.

For the 35214, 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 35214?

  • • The average homeowners insurance premium paid annually for a home in 35214 is around $1121 per year.

What does it cost on average per month for home insurance in 35214?

  • • Homeowners in 35214 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 35214?

  • • Autoowners in 35214 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 35214.
Review average rates in another zip code:
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35212 homeowners insurance rates
35206 homeowners insurance rates

Home Replacement Cost Coverage in 35214

Average Building Cost Per Square Foot in 35214: $104

Location: Birmingham, Alabama (Jefferson County)

Average Square Footage in 35214: 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 35214 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 35214 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 35214 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 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$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 35214 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 35214

Best Home & Auto Insurance Agencies in 35214

Allstate Auto Insurance

Address: 1214 Forestdale Blvd Birmingham, AL 35214
Phone:
Website: http://www.allstateagencies.com
Info:

Gilmer- Richard L

Address: 2131 Forestdale Bend Rd Birmingham, AL 35214
Phone:
Website:
Info:

Hayes Rasbury Agency

Address: 221 Lapala Dr Birmingham, AL 35214
Phone:
Website:
Info:

Dixon Moore Insurance

Address: 198 Helena Ave Birmingham, AL 35214
Phone:
Website:
Info:

Alfa Insurance - Forestdale

Address: 1329 Forestdale Blvd Birmingham, AL 35214
Phone:
Website:
Info:

Housing Demographics for 35214

Population Review for 35214 Zip Code

For the city of Birmingham, the population within 35214 has increased to over 19,464 residents in population size. The current population total is 18,287. We have broken down the population based on race below. In 35214, there are over 8491 in male population and 9796 females.

PopulationValues
Total Population18,287
White Population2742
Black Population14632
Hispanic Population526
Asian Population21
Hawaiian Population5
Indian Population61
Other Population361
Male Population8491
Female Population9796
Population Estimate19464

Household Data for 35214

The average number of homes in 35214 is around 7,464, there are an average of 2.42 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 Zipcode7,464
Persons Per Household2.42
Average House Value$119,600
Income Per Household$54180
Median Age43.2
Median Age Male40.5
Median Age Female45.6
35214 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 Businesses235
Number Of Employees3569
Business First Quarter Payroll35359
Business Annual Payroll150190
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|07
Congressional LandArea4170.78|10156.13
Delivery Residential8043
Delivery Business401
Delivery Total8507
Preferred Last Line KeyY10114
Classification Code
Multi-County
CSA NameBirmingham-Cullman-Talladega, AL
CBSA_DIV_Name
City State KeyY10114
Land Area24.813000
Water Area0.001000
City Alias Code
City Mixed CaseBirmingham
City Alias Mixed CaseBirmingham
Box Count0
SFDU6934
MFDU524
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

  • 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 […]